Health Savings Account

Save for qualified medical expenses with triple tax benefits. Money market dividends earn for you. No fees.
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Take Control of Healthcare Costs

A Health Savings Account (HSA) from 3Rivers is a special account that helps you save and pay for qualified medical expenses. The HSA allows for tax deductions on eligible contributions and tax-exemptions on qualified medical expenses. 

Triple Tax Benefits

Your contributions are tax-deductible, funds grow tax-deferred, and withdrawals for qualified medical expenses are tax-free.

Account Features
  • Earn dividends on your balance
  • Mastercard® debit card for healthcare purchases
  • Digital banking access 24/7
  • Surcharge-free ATM access (35,000+ locations)
  • NCUA federally insured up to $250,000 

About Medical and Dental Expenses

Visit the IRS website, IRS.gov Publication 502, for more information and an explanation of how the itemized deduction for medical and dental expenses that you claim on Schedule A (Form 1040), including:

  • What expenses, and whose expenses, you can and cannot include in figuring the deduction.
  • How to treat reimbursements and how to figure the deduction.
  • How to report the deduction on your tax return and what to do if you sell medical property or receive damages for a personal injury.

Contributions to your HSA

HSA

Type of Coverage 2023 2024 2025 2026
Individual HDHP Coverage $3,850 $4,150 $4,300 $4,400
Family HDHP Coverage $7,750 $8,300 $8,550 $8,750
Over 55 Catch-up $1,000 $1,000 $1,000 $1,000
Questions About HSA Benefits?

Health Savings Account FAQs

Have questions about how your HSA works? We've got answers. For additional support, reach out to our team.
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Explore Other Savings Options

Combine your HSA with other 3Rivers savings products to maximize your financial growth and reach your money goals.
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