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Health Savings Accounts


Health Savings Accounts (HSAs) are designed to allow the payment for qualified medical expenses of the HSA owner and his or her family on a tax-free basis. Unlike a Flexible Spending Account (FSA), an HSA is not a “use it or lose it” account.

To be eligible for an HSA, an individual must be covered under a High Deductible Health Plan (HDHP), not covered by another health plan that is not a HDHP (some exception may apply), not enrolled in Medicare, and not eligible to be claimed as a dependent on another individual’s Federal Income Tax return. Contribution limits vary and are affected by the type of HDHP the HSA owner has and the status of the owner’s eligibility. Once you have determined you are eligible for an HSA account, please contact Platte Valley Bank for more information regarding an HSA.




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