Health savings account

Three tax benefits.
One powerful way to save for healthcare.

A health savings account (HSA) helps you save for healthcare costs while offering valuable tax advantages. 

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Meet the HSA

An HSA, paired with a qualifying high-deductible health plan (HDHP), can be a tax-advantaged way to save for healthcare costs.


  • Yours for life. Keep your HSA if you change jobs or retire. There’s no use-it-or-lose-it rule — every dollar stays with you and could grow year after year.

     
  • Use it now or later. Pay for qualified healthcare expenses today, or save for future qualified medical expenses, including those in retirement.
     
  • Invest to grow your balance. Once you reach the minimum balance, you can diversify and pursue additional growth potential.
     
  • Reimburse on your timeline. Pay out of pocket, save your receipts, and reimburse yourself tax-free — even years later or in retirement.

The Empower HSA™ difference

We make it simple to save and pay for care.

Easy to save

  • See your retirement and healthcare savings in one place on the Empower Personal Dashboard™.
  • Choose investment options that fit your goals.
  • Earn more with a high-yield cash option.

Easy to spend

  • Use one debit card for all your benefit accounts.
  • Your card pays from the right account automatically.
  • Add to your digital wallet for fast, contactless payments — no physical card needed.

See the Empower HSA in action

Make the most of your Empower HSA

Small moves now can make a big difference in how your HSA works for you today and over time.

Go to Dashboard

  • Spend tax-free today

    HSA dollars are contributed before taxes and can be used tax-free for eligible expenses – so you keep more of your money. State tax treatment may vary.2

  • Start investing

    We offer three “pick-your-path”3 investing options to meet beginner, intermediate, or experienced investors where they are.

  • Roll over an old HSA

    Consolidate into one HSA to save time, reduce fees, and simplify growth.
Log in to your HSA account for more details. 

  • Name a beneficiary

    You can protect your HSA. It’s easy to name a beneficiary to make certain it goes where you want.

Benefits to help you save on everyday expenses3

These accounts follow different rules than an HSA, but are managed through the same card and smart tools.

Dependent care flexible spending account (FSA)

Helps you pay for eligible dependent care expenses, such as childcare or elder care, using pre-tax dollars. 

Healthcare flexible spending account (FSA)

Lets you use pre-tax dollars to pay for eligible healthcare expenses during the plan year.

Limited purpose flexible spending account (FSA)

Helps you keep funds in your HSA to grow for the long-term, and still use pretax dollars to save on eligible dental and vision expenses.

Health reimbursement accounts (HRAs)

Helps you cover eligible health care expenses with employer-funded, tax-free contributions and reimbursement.

Commuter benefits

Typically funded with pretax dollars, commuter benefits help you save on work-related transit and parking costs.

Lifestyle accounts (LSAs)

With employer-funded contributions, LSAs help you cover expenses for everyday well-being — from fitness to financial wellness. Benefits may be taxable. 

Insights and updates

Service you can count on, expertise you can trust

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