Health Savings Account

Save for qualified medical expenses with triple tax benefits. Money market dividends earn for you. No fees.
Open Account

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 (Max. Annual Contribution) $3,850 $4,150 $4,300 $4,400
Family HDHP Coverage (Max. Annual Contribution) $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.
What is a Health Savings Account?
A Health Savings Account is a triple tax-advantaged account for individuals covered by high-deductible health plans (HDHPs). At 3Rivers, your HSA comes as a checking account with money market dividends. Contributions are tax-deductible, funds grow tax-deferred, and withdrawals for qualified medical expenses are tax-free.
Am I eligible to open a 3Rivers HSA?
To qualify, you must be enrolled in a high-deductible health plan (HDHP), have no other comprehensive health coverage, not be enrolled in Medicare or TRICARE, and not be claimed as a dependent. Visit the IRS website, IRS.gov Publication 502, for more information
What qualifies as a medical expense?
Qualified expenses include doctor visits, copays, deductibles, prescriptions, dental care, vision care, mental health services, and medical equipment. For a complete IRS list, visit IRS.gov Publication 502. Keep receipts.
Do my funds roll over year to year?
Yes! Unused funds roll over indefinitely. There's no "use it or lose it" requirement like FSAs. Your money grows tax-deferred and earns dividends. This makes HSAs ideal for long-term healthcare savings and retirement planning.
How do I access my 3Rivers HSA funds?
Multiple options: Use your Mastercard® HSA debit card for direct purchases, transfer funds via online banking, use mobile app, write checks, withdraw from 35,000+ surcharge-free ATMs, or visit any 3Rivers branch. Access your funds anytime with no fees.
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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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