Start HSA: Your Health is Wealth
Start Health is designed to support HSA eligibility*, helping members take advantage of tax savings, flexibility, and long-term financial benefits.
Pay Yourself First
An HSA, or Health Savings Account, is a tax-advantaged account for qualified medical expenses. HSAs let you save and grow money tax-free for today’s care or future medical costs. Contributions are limited each year by the IRS, making it a powerful way to take control of your healthcare spending.
The Start HSA Advantage
Triple-Tax Advantage
HSA contributions are tax-deductible, grow tax-free, and can be withdrawn tax-free for qualified medical expenses.
Never Expire
HSA funds are yours to keep, roll over each year, and remain available even if you change jobs.
Financial Security
HSAs act as a rainy-day fund for future medical costs, even in retirement, reducing your out-of-pocket expenses.
Flexible
HSAs give you full control of your funds, and after 65, you can use them for non-medical expenses (income taxes may apply).
Convenience
HSAs make paying for medical expenses easy—use your Start HSA Card to access your Start HSA funds anytime.
Retirement
Building your HSA helps prepare for future medical costs, and those 55+ can make an extra $1,000 in catch-up contributions.
Your Start HSA
Your Start Health Member Portal makes it easy to manage HSA funds, spending, and investment growth all in one place.
Want to use your HSA funds to pay for qualified medical expenses tax-free? Easy! Simply fund your HSA in your Start Health member portal, and use your Start HSA Card to pay for your next service.
Kick-Start Your HSA Growth
With a Start HSA, you can invest funds over $2,000 through your member portal. HSAs offer triple-tax advantages and tax-free medical withdrawals, helping you save for healthcare and retirement.
Questions? We Can Help.
What is an HSA?
An HSA, or Health Savings Account, is a tax-advantaged savings account used for qualified medical expenses. HSAs are available to those enrolled in a high-deductible health plan, as defined by the IRS, and have yearly maximum contribution limits. HSA funds do not expire and roll over year-over-year, and they are owned by you (not your employer).
How much can I contribute to my HSA?
For 2025, the IRS has set the Health Savings Account (HSA) contribution limits as follows:
- Individual Coverage: $4,300
- Family Coverage: $8,550
What can I use my HSA for?
You can use your HSA funds tax-free for Qualified Medical Expenses (QMEs) like doctor visits, prescriptions, dental and vision care, mental health services, and certain over-the-counter items for yourself, your spouse, or dependents. Non-medical use before age 65 is subject to income tax and a 20% IRS penalty, while after 65 non-medical withdrawals are taxed as income. For a full list, see The HSA Store Eligibility List (or IRS Publication 502).
Please note that not all QMEs are services covered by Start Health.
Can I have multiple HSAs?
In short, yes. However, you can only contribute up to the IRS limits for a given year. This means that you can contribute up to the IRS limits to one account, or you may choose to spread it across multiple accounts. We recommend consolidating your HSA funds into your Start Health HSA for easy access and robust investment tracking.
How do I access and use my Start HSA funds?
You can access and manage your Start Health HSA funds by creating your Start Health account, logging in, and visiting your HSA Summary dashboard. Your dashboard will include:
- Your current HSA balance
- Your expense history
- HSA contributions
- HSA investments
- Start Card management
To use your HSA funds, simply use your Start HSA Card when paying for expenses.
How do I invest my Start HSA funds?
To invest your HSA funds, you must have a balance of over $2,000. To get started, simply log into your Start Health account, navigate to your HSA summary dashboard and click on the “Invest” tile, then follow the prompts.
What investment options do I have?
S&P 500 Value Vanguard
S&P 500 Vanguard ETF
S&P 500 Growth Vanguard
Mid-Cap Value ETF Vanguard
Mid-Cap ETF Vanguard
Mid-Cap Growth ETF Vanguard
Small Cap Value ETF Vanguard
Small Cap ETF Vanguard
Small Cap Growth ETF Vanguard
Total International Stock Vanguard ETF
Vanguard Extended Market ETF
Vanguard Materials ETF
REIT Vanguard ETF
Emerging Markets Stock Idx ETF Vanguard
Vanguard Information Technology ETF
Health Care Vanguard ETF
US Total Bond Market Index ETF Vanguard
Short-Term Bond ETF Vanguard
Total International Bond Index Vanguard
S-T Inf-Protected Treasury Bond Vanguard
