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Health Savings Account Facts

HSAs are the latest news in affordable health care. HSAs combine a qualified High Deductible Health Plan (HDHP) with a Health Savings Account. The HDHP covers catastrophic illness and injury, while the HSA covers routine expenses until the deductible is met. HSAs offer a way to set aside funds to pay for today's and tomorrow's medical expenses.

Why do HSAs spell affordable health care?

HSAs provide you with tax savings both when you contribute the funds and when you use the funds. Annual contributions reduce your taxable income and your qualified medical expenses are never taxed. All of the money you set aside in your HSA grows tax-deferred until age 65, when funds can be withdrawn for any non-medical purpose (ordinary tax applies), or tax-free when used for medical expenses.

What is the advantage to an HSA?

When comparing other consumer-driven health care options to an HSA, an HSA provides the most flexible and long-term investment opportunities to consumers. Unlike most consumer-driven health care options, HSAs roll over from year to year. The money belongs to the individual and is portable if employment changes. Availability is not limited by employer size. And, funds can be used for non-medical purposes after age 65 (ordinary tax applies).

 2025 HSA Facts

Health Savings Account (HSA)
Minimum deductible amounts for the qualifying high-deductible health plan (HDHP)

Individual Coverage $1,250
Family coverage $2,500

Maximum contribution levels

 
Individual coverage  $3,230
Family coverage $6,400
Catch up contribution allowed for those 55 and over  $1,000

Maximums for HDHP out-of-pocket expenses

 
Individual coverage $6,250
Family coverage $12,500

HSA Eligible Expenses by HSA Bank

Serving the Insurance Needs of Indiana & Ohio


Kintz Insurance Team

Allen County
Ft. Wayne

Adams County
Decatur, 46733
Monroe, 46772
Berne, 46711
Geneva, 46740

Wells County
Ossian, 46777
Bluffton, 46714
Preble, 46782
Tocsin, 46777

Mercer County
Rockford, 45882
Celina, 45822
Mendon, 45862
Coldwater, 45828
St. Henry, 45883
Ft. Recovery, 45846
Chickasaw, 45826
Chattanooga, 45822
Paulding County
Payne, 45880
Antwerp, 45813
Paulding, 45879
Grover Hill, 45849
Haviland, 45851
Latty, 45855
Cecil, 45821
Melrose, 45861
Oakwood, 45873

Van Wert County
Delphos, 45833
Middle Point, 45863
Scott, 45886
Venedocia, 45894
Elgin, 45838
Willshire, 45898
Wren, 45899
Van Wert, 45891
Convoy, 45832
Ohio City, 45874