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Health Savings

A Fitness Tracker for Your Healthcare Expenses

Smart Savings for Your Healthcare

A health savings account (HSA) works hand-in-hand with a qualified health insurance plan to maximize saving for qualified health expenses.  Typically, an HSA-qualified health plan costs less than a traditional plan and the money you save can be put into a health savings account with tax benefits.  Consult your tax advisor for your state’s tax rules and your specific situation.

Tax-Free Contributions and Earnings

The money you put into your HSA up to the annual contribution limit may be tax-free.  The interest earned may be too! 

Tax-Free Withdrawals

Funds can be drawn tax-free for qualified medical expenses that your insurance does not cover like prescriptions, eye exams or lab work.

Convenient Civista HSA Features:

A Civista HSA works just like a checking account with easy payment features and interest-earning power.

  • Free HSA debit card and HSA checks
  • Digital banking, bill pay and our mobile app for 24/7 account access
  • Competitive interest rate tiers for higher earning potential as your balance grows
  • $50 to open
  • No minimum balance required
  • Low $3.00 monthly service charge and one-time set up charge of $10.00

Frequently Asked Questions

You are covered by an HSA-qualified health plan and have no other health coverage, such a secondary health plan.

You cannot be claimed as a dependent on another person’s tax return.

For 2023, the annual maximum contribution is $3,850 for single coverage and $7,750 for family coverage.

For 2024, the annual maximum contribution is $4,150 for single coverage and $8,300 for family.

If you are 55 or older, you can contribute an extra $1,000 annually.

Non-qualified withdrawals by individuals under age 65 are taxable and subject to a 20% tax penalty.  On or after age 65, or upon death, non-qualified withdrawals are taxable; however, there is no additional tax penalty.

Contributions to an HSA can be made up until the tax filing deadline of the following year. 

A decision you can
feel good about.

Even if you change jobs, retire, or switch health plans, you own the account and all the contributions made into it.  Plus, there’s no “use it or lose it” feature.  Your HSA balances rolls over from year to year.

Take Control of Your Healthcare Savings

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