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Health insurance can be expensive. And if you get sick or hurt, you could get stuck with a bill before you reach your annual deductible (double ouch). Don’t have money set aside for medical bills? A Health Savings Account (HSA) helps you save for the cost of future bumps and bruises.
Open a Health Savings Account
How Does a HSA Work?
If you’re enrolled in a high-deductible health insurance plan, a HSA lets you (or anyone, including your employer) make contributions (up to annual IRS limits) to pay for things like medical, dental and vision care. The money you contribute is yours, even if you change jobs. And your balance carries forward every year. As long as you follow the IRS guidelines1, a HSA is a great way to save for healthcare costs.
Every HSA includes:
Quick, easy access to your HSA funds
What’s Offered With Liberty Bank’s HSA?
There’s no minimum balance to open a HSA account with us. You can make contributions at any of our Connecticut locations, or through your employer via payroll deduction. You’ll get a Liberty Bank HSA Debit MasterCard® to pay for your medical expenses at your doctor’s office or pharmacy.
Here’s what makes Liberty Bank’s HSA different:
- Competitive interest rates
- No annual or monthly fee
- Monthly statements
- Free online banking, bill pay and mobile banking
- Free online banking and access to Money Manager – track all your finances, even those at other banks
Opening a Health Savings Account with Liberty Bank
If you’re opening an account for yourself, simply open online or find a location.
If you’re thinking about offering HSAs for your employees, call our HSA Product Manager Carla Abate at (203) 575-6975.
Frequently Asked Questions
We hear a lot of questions about HSAs. Here are answers to some frequently asked questions that’ll help you better understand how they work.
Remember withdrawals for eligible medical expenses are tax-free and contributions are tax deductible (consult a tax accountant for specific tax questions).
- There’s a lot to know about qualifying for and effectively managing your account. Please see our HSA FAQs for details and then consult www.irs.gov for additional information. Liberty Bank does not provide tax, legal or investment advice. If you have any questions on these matters, please contact a qualified accountant, attorney or investment advisor.
Health Savings Account (HSA) Rates
|Health Savings Account|
|$2,500 – $4,999.99||0.2%||0.2%|
$0.01 – $2,499.99
Rates are effective as of March 10, 2021.
- The Interest Rate and Annual Percentage Yield (APY) are as of the effective date and are subject to change without notice. Subject to 1099 reporting. Fees may reduce earnings.
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Use direct deposit to build savings
With unlimited access to your money and low or no minimum balances, your confidence is compounded daily.
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