Health Savings Account

A Health Savings Account, or HSA, allows you to keep more of your own money because it's tax-advantaged. Discover the benefits of an HSA and use our HSA calculator to see how much you can save—tax-free.2

Face life’s surprises confidently by saving with a Health Savings Account

Plan ahead for what matters most

Use your HSA to pay for out-of-pocket healthcare costs and prescriptions

Grow your HSA

HSAs earn dividends1 and unused money rolls over year to year, unlike FSAs (flexible spending accounts)

Save pre-tax dollars

Contributions to your HSA reduce your taxable income and qualified purchases are tax-free2

Your Health Savings Account can provide head-to-toe care, with funds available for check-ups, prescription medication, hospital costs, and treatment for chronic conditions.

Stay healthy—and prepared

Life is full of surprises. Some wonderful, some costly. When unexpected medical bills come your way, the benefits of an HSA help you stay in control, protect your savings, and care for the people who matter most.
Save More
In 2026, contribute up to $4,400 pre-tax dollars annually for individual coverage and $8,750 for family coverage
Extra for 55+
Additional $1,000 catch-up contribution
No Set-Up Fees or Monthly Fees
Every contribution counts—no setup or monthly costs
Keep Your Funds
No year-end deadline --balances roll over
Easy Access
Free debit card for eligible expenses
Manage Anywhere
Mobile3 and online banking

Eligibility

  • Covered under a high-deductible health plan (HDHP)
  • No other health coverage (except what's allowed by the IRS)
  • Not enrolled in Medicare
  • Not claimed as a dependent

Try Our HSA Calculators

Estimate contributions, tax savings, and long-term benefits in minutes.

1

Health Savings Share Draft (HSA) account, a tiered variable rate account, requiring a daily balance of $100 or more to earn dividends. Accounts are subject to limitations imposed by the IRS. Consult your tax advisor for additional information. For additional details, terms, and applicable fees, contact your local Fox branch or refer to your HSA agreement, or the Account Disclosure Rate Supplement and Schedule of Fees and Charges document.

2

Fox Communities Credit Union does not provide tax advice; consult a tax professional for additional information.

3

Fox’s mobile banking app is free; however, your mobile carrier’s message and data rates may apply.