Account Access

  • NOTICE: UChoose Points Program is being discontinued.
    Points stop accruing on 5/1/17 and must be used by 6/30/17!

Health Savings Accounts (HSA)


Our Health Savings Account (HSA) provides a competitive plan that will assist you in controlling your health care costs — and offer you great tax savings.

If you have a qualifying high-deductible health plan, our HSA offers a variety of savings options. It allows you to pay for current health care expenses and future qualified medical and retirement health care expenses on a 100% tax-free basis.

Your HSA can also be used to supplement retirement income or used if a disability occurs. The funds in your HSA are controlled by you and are rolled over every year for your health care expenses.

HSA Benefits

  • You benefit from tax savings.
  • HSA contributions can be deducted from your gross income on your federal tax return.
  • Some states also allow the deduction from state income taxes.
  • You can pay for qualified medical expenses — tax free.
  • You benefit by earning interest.
  • You typically save on your premiums when you switch from a low-deductible to a high-deductible plan.
  • Your funds are portable and remain with you even if you switch jobs or are unemployed, move, have a change in marital status or obtain future medical coverage.
  • You benefit from long-term savings.
  • Your funds grow in your account, tax deferred and you can make withdrawals penalty-free at age 65.

HSA Features

  • Check Cards
    Use a check card to access funds in your account to pay health care providers or to obtain cash at an ATM machine
  • Checks
    Customized checks are available
  • Online Management of your Account
    Access your account anytime, anyplace and at your convenience with our online banking feature

Who is Eligible

Beginning January 1, 2004, everyone under the age of 65 is eligible to establish a Health Savings Account provided they have a qualified high-deductible health plan and are not covered by another health plan.

This includes individuals and employer groups

There are no size restrictions on the employer groups

What is Covered?

You can spend tax-free from your Health Savings Account on all medical, dental (including braces), vision and hearing aids.

You cannot spend it on your insurance premium, cosmetic surgery, health club dues, or non-prescription drugs.