Save smarter on health care with a Health Savings Account

The big picture: 

If you’re enrolled in a high-deductible health plan (HDHP), a Health Savings Account (HSA) can help you manage health care costs today while planning ahead for tomorrow. An HSA lets you set aside pre-tax dollars for qualified medical expenses—giving you more control and flexibility over how you pay for care. 

Why it matters: 

Health care expenses can be unpredictable. An HSA helps you stay prepared by lowering your taxable income and allowing you to save money specifically for medical, dental, vision, and prescription costs. Unlike some other health accounts, the funds in your HSA are yours to keep, even if your health plan or job changes. 

The details: 

Opening an HSA at Heartland Credit Union comes with several benefits designed to make saving and spending simple: 

• Save more: No annual fee, pre-tax contributions, and potential dividends 
• Use anytime: Pay for qualified expenses now or save your funds for future needs 
• Easy access: Manage your account through HCU Digital Banking, use your HCU HSA debit card anywhere Visa® is accepted, or access funds at any ATM or HCU branch 
• No “use it or lose it”: Your balance rolls over year to year 

To be eligible, you must be enrolled in a qualified HDHP. For 2026: 

• Maximum HSA contribution: 
  • $4,400 for single coverage 
  • $8,750 for family coverage 
• Catch-up contribution: Members age 55 or older may contribute an additional $1,000 

HDHPs often have lower monthly premiums, and an HSA helps cover out-of-pocket costs like deductibles, copays, and prescriptions. 

The bottom line: 

An HSA at Heartland Credit Union is a smart way to save, spend, and plan for health care expenses—now and in the future. With flexible access, tax advantages, and no annual fee, it’s a simple tool that can make a meaningful difference in your financial wellness. 

Boost your benefits with an HSA at Heartland Credit Union. It’s The Heartland Way. 

Ready to get started? Set up your HSA today and take the next step toward smarter health care savings. For help understanding how HSA tax advantages apply to your situation, consider consulting a qualified tax advisor.

Heartland Credit UnionIt's The Heartland Way