Health Savings Accounts (HSA)

Save. Earn. Pay.

A better HSA option is finally here.

An Accuplan Benefits Services HSA is unlike other health savings accounts out there. Earn on idle HSA funds through a modern and personalized account.

Come find out the difference that Accuplan can make in your savings journey.

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Why we are different

Low-fee

We pride ourselves on our low to no cost structure. We are talking a few dollars for all business accounts and no cost for individual accounts. That's what you can expect. No hidden fees. Ever.

Self-Reimburse

Whether it be a doctor bill or paying yourself back, you can expect easy-breezy bill pay and reimbursement with our platform. Pay for health care in the way you want, and reimburse yourself quickly.

Independence

Don't depend on your employer to provide you with necessary tools like an HSA. Cut out the middleman and do this for yourself and your family.

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Learn More about Accuplan's HSA Account Offerings

Schedule a meeting with one of our experts today.

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How we are better for your business

Finding an HSA provider that has a more transparent, low-cost account fee schedule is now easier than ever. With Accuplan, you not only have complete control of your health savings account, but you also can earn interest on your contributions.

Intuitive Administration

We created our administrative backend with you in mind—easy 24/7 access to everything you need to manage your business account fully.

Fully Dedicated Support

Our support staff understands the importance of the service you are providing. We are available to chat online or over the phone. Get in touch now!

Provide Better Benefits

We know you want the best HSA accounts for your employees. Let us provide the perks without the expense. Offer the ability to invest contributions and earn on savings.

Get started today with your own Accuplan HSA

Open an Account

Frequently Asked Questions

▾ What happens to my HSA funds at the end of the year?

HSA money is yours to keep. Unlike a flexible spending account (FSA), unused money in your HSA isn't forfeited at the end of the year; it continues to grow, tax-deferred.

▾ Who can contribute to my HSA?

Anyone can make an after-tax contribution to your HSA. Generally, contributions another person makes to your HSA will not be tax-deductible for the contributor, and the IRS's annual contribution limits will still apply. See IRS Publication 969 for more on annual HSA contribution limits.

▾ What are the annual HSA contribution limits?

The IRS defines HSA contributions each year. For 2026, HSA contribution limits are $4,400 for individual health plans and $8,750 for family health plans.

▾ What is an HSA catch-up contribution?

HSA-eligible individuals age 55 or older during the tax year can contribute an additional $1,000 annually.

▾ How do I know if I'm eligible for an HSA?

You're eligible to open and contribute to an HSA if: You're covered by an HSA-eligible health plan on the first of the month; You're not covered by an ineligible health plan; You're not enrolled in Medicare; You cannot be claimed as a dependent on someone else's tax return.

▾ What is an HSA-ineligible health plan?

Generally, you are not eligible to open or contribute to an HSA if you are covered under a health plan that is not a high-deductible health plan (non-HDHP), with certain exceptions for plans with preventative care benefits. HSA-ineligible health plans include: A spouse's non-HDHP coverage; Medicare or Tricare; Veterans Affairs (VA) medical benefits received during the previous three months; A general-purpose health flexible spending account (FSA) or health reimbursement arrangement (HRA).

▾ What are the tax advantages of an HSA?

HSAs are tax-advantaged in three ways: (1) Personal HSA contributions using after-tax money may be federal income tax-deductible; (2) Spending your HSA money on qualified medical expenses is free of federal income taxes; (3) If you invest some or all of your HSA money, any growth is also tax-free.