A health savings account, when combined with a qualified high-deductible health plan, puts you in control of your health care savings and spending.

An HSA is a health-wise investment that helps you:

Deposit your health care dollars
Contributions made to your HSA are tax-deductible when used for eligible health expenses. Anyone can fund your HSA — you, your family, your employer or any other individual.

Your employer may offer payroll deduction to help you deposit money into your HSA. Or, with an OptumHealth Bank HSA, you can make deposits online any time.

Grow your savings
The money in your HSA belongs to you, no matter who deposited it and even if you change jobs or switch health plans. Your deposits earn interest and continue to grow over time. And, you can invest a portion of your balance in mutual funds to help save for future health care expenses.

Save on taxes
With an HSA, you can get triple tax savings:

• Your deposits are exempt from income tax.
• Your savings grow tax-free.
• The money you spend on eligible expenses is income tax-free.

Pay for health care now or later
HSA funds can be used to pay for eligible medical expenses for your spouse or dependents, even if they are not covered under the HSA health plan. There's no "use it or lose it" rule, so you can save money for future expenses and pay for current ones.

Examples of eligible medical expenses include:

• Doctor's office visits and procedures
• Surgery, not including elective cosmetic surgery
• Prescriptions
• Dental services
• Contact lenses, eyeglasses, eye exams and surgery
• Hearing aids and batteries
• Acupuncture
• Physical therapy

> Learn more about eligible expenses

In addition, paying for health care is easy with the  OptumHealth Bank Health Savings Account Debit MasterCard^®. You can also reimburse yourself for eligible expenses or pay bills online.

> OptumHealth Bank, Member FDIC, is a leading HSA administrator. Visit OptumHealthBank.com to enroll.

Health savings accounts are offered by OptumHealth Bank, Member FDIC, and are subject to eligibility. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state regulations are subject to change. Please check your health benefit plan materials to determine whether your employer will make supplemental contributions to your HSA.