SAVE FOR HEALTHCARE. KEEP IT FOR YOUR FUTURE.
A Pathways Health Savings Account (HSA) gives eligible members a tax-advantaged way to save for qualified healthcare expenses today and in the future. The money you don't use stays in your account year after year, and your HSA stays with you if you change jobs.1
Triple Tax Advantage
Health Savings Accounts offer valuable federal tax benefits. Eligible contributions may be deductible or excluded from income, earnings in the account can grow tax-free, and withdrawals used for qualified medical expenses can generally be tax-free.2
Pay for Qualified Medical Expenses
Use your HSA for a wide range of qualified healthcare expenses, including many medical, dental, vision, and prescription costs.
Convenient Access to Funds
Use your Pathways HSA debit card for qualified healthcare expenses, giving you convenient access to the money you've set aside.3
Save Today. Invest for Tomorrow.
Your HSA balance can earn dividends, and as your savings grow, you can choose to invest HSA funds through myHSAinvestments, a self-directed investment platform with access to mutual funds, education, and research tools.
HSA Basics: What You Need to Know
An HSA can be a powerful way to prepare for healthcare expenses, but eligibility rules apply. Here's what to know before you get started.
Are you eligible to contribute to an HSA?
Generally, IRS rules require you to:
- Have qualifying HSA-compatible health coverage
- Not have certain other health coverage that disqualifies HSA contributions
- Not be enrolled in Medicare
- Not be eligible to be claimed as someone else's dependent
2027 HSA contribution limits
The IRS sets annual limits on how much can be contributed to an HSA.
Eligible individuals age 55+ may contribute an additional $1,000 per year.
Not sure if you qualify? Check with your employer or health plan provider to confirm whether your coverage is HSA-compatible. For questions about your individual tax circumstances, consult a qualified tax professional.
Review IRS Publication 969 for additional HSA eligibility information
HSA eligibility and contribution requirements are established by the IRS and depend on individual circumstances. Pathways Financial Credit Union does not provide tax advice.
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Open Your HSA
Once you’ve confirmed you’re eligible, opening your Pathways HSA is quick and easy. Apply online to get started and begin building savings for qualified healthcare expenses.
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Contribute & Save
Add money to your HSA throughout the year and choose an amount that works for your budget. You don't have to contribute the maximum for your HSA to be useful, and money you don't spend can remain in your account for future qualified healthcare expenses.
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Use It When You Need It
Use your Pathways HSA debit card to pay for qualified healthcare expenses, including many medical, prescription, dental and vision expenses. For detailed information about qualified medical expenses, refer to IRS Publication 502.
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Keep It for the Future
Your HSA belongs to you. Unused funds can remain in your account for future qualified healthcare expenses, and your account stays with you if you change jobs.
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* Please note that the calculator tool is a convenience feature that is not fully representative of the application process and is designed to give estimated projected costs and/or payment of respective loan. Totals should not be used as an indication of final APR or associated costs.
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Open an Account
You can open a new Health Savings Account or easily transfer your existing HSA by clicking below.
Open HSA Account