Preguntas frecuentes

Sí. Siempre que usted mismo no esté inscrito en Medicare y siga inscrito en un HDHP cualificado, puede contribuir a su HSA.

Yes, as long as you are covered by a qualified HDHP and are not enrolled in Medicare. You can be eligible for Medicare and still contribute to an HSA as long as you are covered by an HDHP and not enrolled in Medicare.

To be eligible for an HSA, you must: Be covered under a high-deductible health plan (HDHP). Not be covered under an ineligible plan like a non-HDHP, Medicare or a healthcare flexible spending account (FSA), even under your spouse’s plan. Not be claimed as a dependent on someone else’s tax return.

Yes. You can make a once-in-a-lifetime rollover from your IRA into your HSA. You can’t, however, roll money into your IRA from your HSA. Note that an IRA rollover will count toward your annual contribution amounts.

Yes. There’s no minimum required to start investing, though certain funds may require a minimum amount. Sign in to your Fidelity HSA account at www.netbenefits.com to select your investment elections. You can also talk to a Fidelity representative who can review your investment options, including stocks, bonds, treasury notes, short term investments and mutual funds. [...]

Sí, y lo mejor de todo es que los intereses que devenga el saldo de su HSA están exentos de impuestos.

In 2026, the annual maximum contribution set by the IRS for an individual account is $4,400 and the maximum contribution for family coverage is $8,750. People over the age of 55 can make an additional ‘catch-up’ contribution of $1,000 each year. These limits are the same regardless of the source of the contribution. [...]

You do. The money is always yours to keep and never expires, even if you leave the company or retire. If you enroll in Medicare or work for another employer that doesn’t have a qualified HDHP, you can still use your HSA money to pay for qualified medical expenses, but won’t be able to contribute [...]

Yes. To be eligible to open and contribute to an HSA, you need to be enrolled in a qualified high deductible health plan (HDHP)—one with a minimum annual deductible of $1,350 for self-only coverage or $2,700 for family coverage.

No. The term HSA is sometimes used to describe the whole plan, but there are actually two parts. An HSA is a savings account through a financial institution. It lets you save money and pay for eligible health care expenses. An HDHP is a high-deductible health insurance plan. Enrollment in the HDHP is what [...]