Save with an HSA


Save

Maximize Tax Savings
Your tax-deferred HSA contributions are tax-free when used for qualified healthcare expenses. A lower tax bill means more money in your pocket for your medical needs.

Tax-deferred contributions become tax free when used for qualified health expenses.  Contributions reduce annual taxable income, lowering your Federal Income and FICA taxes, and most State income taxes. Higher deductibles mean lower premiums, so you can save on premium costs as well as on taxes.

Learn more about HSAToday:

HSAToday is the most comprehensive solution available for people with high deductible health plans, bringing together banking services, health plan support, retirement planning, and wellness.

HSAToday is a savings account that offers a very competitive interest rate on your monthly balance. Your contributions are still available for use, unlike with other investment accounts. Learn more about our flag ship custodian, National Advisors Trust Company.

HSAToday offers an integrated investment platform that assists you in deciding how much of your balance stays in savings and how much is invested. Our evaluation tools help you determine your risk tolerance so you can choose the investment model that best meets your needs.

Transfer your account balance from your existing HSA or medical savings acccount (MSA) to HSAToday.

Use a one-time IRA transfer to boost your savings.

Contact your employer to find out how to open an HSAToday account.

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Pay

Manage Health Expenses
Make payments with the MySourceCard™ debit card and keep track of claims receipts with our patented ClaimsVault® technology.

Make easy payments with your account-linked debit card and access your records in our patented, secure online ClaimsVault.

Learn more about HSAToday:

Use your HSA funds for qualified medical expenses like doctor visits, hospital stays, medical tests, prescriptions, nursing care, etc. With the exception of cosmetic procedures and over-the-counter drugs and medications, most healthcare expenses are covered.

Use the convenient mySourceCard debit card to pay for your qualified medical expenses at doctors offices, pharmacies, hospitals, and clinics. Get reimbursed for out-of-pocket expenses from your HSA account through direct deposit or paper check.

Keep track of your receipts and explanation of benefits (EOB) in our patented, secure ClaimsVault. Access these records 24/7 and use them to file for reimbursements or during tax season.

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Invest


Invest

Online Investing Made Easy
Make investments to help your account grow.

Assess your needs and choose an investment portfolio to help your HSA dollars grow.

Learn more about HSAToday:

Once your account reaches $1,000, you can begin investing that money to make your dollars grow quickly. HSAToday offers the lowest minimum investment threshold, as most plans require a $2,500 balance before account holders can invest.

What kind of investor are you? Once you register for HSAToday, you can use our self-assessment tool to help decide which investment options best suits your needs.

Choose between four carefully selected investment portfolios, or create a custom portfolio of your own from our menu of mutual funds.

A. Conservative growth model
The Conservative Growth Model seeks modest long-term growth by investing 35%–55% of its portfolio in equity investments, with the remaining portion in fixed income holdings. While intended to exhibit the least amount of volatility among the four models, investors choosing this model should understand that accounts will fluctuate in value and could lose money. A significant portion of this model’s modest return will come from its fixed income holdings. Investors should have a time horizon of four years or more. An account invested using the Conservative Growth Portfolio model could be subject to a loss of 8% or more in any given year, depending on the severity of weak stock market conditions.

B. Balanced growth model
The Balanced Growth Model seeks long-term growth by investing 50%–70% of its portfolio in equity investments, with the remaining portion in fixed income holdings. This model portfolio offers an opportunity for modest capital appreciation, as well as some current income derived from its significant fixed income holdings. Investors choosing this model should have a time horizon of six to eight years or more, and be willing to accept some volatility in their annual returns. An account invested using the Balanced Growth Portfolio model could be subject to a loss of 12% or more in any given year, depending on the severity of weak stock market conditions.

C. Moderate growth model
The Moderate Growth Model seeks substantial long-term growth by investing 65%–85% of its portfolio in equity investments, with the remaining portion in fixed income holdings. Investors choosing this model should have a time horizon of eight to 10 years or more, and be willing to accept significant volatility in annual returns. The Moderate Growth Portfolio model is appropriate for longer-term investors seeking higher returns, while using a limited fixed income position to buffer some of the downturns in the stock market. Accounts invested in this model could be subject to a loss of 16% or more in any given year, depending on the severity of weak stock market conditions.

D. Aggressive growth model
The Aggressive Growth Model seeks to maximize long-term growth by investing 80%–100% of its portfolio in equity investments, with any remaining portion in fixed income holdings. Investors choosing this model should have a time horizon of 10 years or more, and be willing to accept a large amount of volatility in annual returns. An aggressive investor is willing to take on a great deal of risk in an attempt to maximize the value of his/her account. An account invested using the Aggressive Growth Portfolio model could be subject to a loss of 20% or more in any given year, depending on the severity of weak stock market conditions.

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Live


Live

Manage Your Health
Your Health Savings Account is all about helping you manage the resources required to maintain a healthy lifestyle.

Health Savings Accounts are the ultimate consumer driven healthcare solution. Account holders have more control over their health dollars and have access to tools that help them better understand and manage their health. HSAToday™ partners with Zendy Health and WiserHealth® to help our account holders get more from their HSA. Learn more about this partnership.

ZendyHealth is a cost savings tool that enables HSAToday account holders to access affordable, low-risk health and dental services from top providers. ZendyHealth features a Pick Your Price™ tool with which account holders can name their price and choose their provider.

WiserHealth is a personalized treatment decision support tool that enables account holders to compare and choose treatments based on their preferences. The tool provides account holders with valuable information on health conditions and treatment options, and helps them determine the best course of action based on their personal needs.

Log in to the portal to access these wellness benefit features.

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