Health Savings Account

Save for qualified medical expenses with triple tax benefits. Money market dividends earn for you. No fees.
Open Account

Take Control of Healthcare Costs

A Health Savings Account (HSA) from 3Rivers is a special account that helps you save and pay for qualified medical expenses. The HSA allows for tax deductions on eligible contributions and tax-exemptions on qualified medical expenses. 

Triple Tax Benefits

Your contributions are tax-deductible, funds grow tax-deferred, and withdrawals for qualified medical expenses are tax-free.

Account Features
  • Earn dividends on your balance
  • Mastercard® debit card for healthcare purchases
  • Digital banking access 24/7
  • Surcharge-free ATM access (35,000+ locations)
  • NCUA federally insured up to $250,000 

About Medical & Dental Expenses

For full details, visit IRS.gov and review Publication 502. You’ll find helpful guidance on which medical expenses qualify, whose expenses you can include, and how reimbursements may impact your deductions. It also walks you through how to report these deductions on your tax return, along with what to do if you sell medical-related property or receive funds from a personal injury claim.
Individual at Doctor's Office

Individual HSA Plan

  • Covers one person only
  • Lower annual contribution limit
  • Lower monthly premiums (typically)
  • Only the account holder can use HSA funds for qualified expenses
  • Simpler to manage since it’s just one person’s healthcare costs
Open Account
Doctor Checking Girl's Stuffed Animal

Family HSA Plan

  • Covers multiple people (usually spouse + dependents)
  • Higher annual contribution limit
  • Higher monthly premiums (typically)
  • HSA funds can be used for any eligible family member’s medical expenses
  • More flexibility for covering shared or unexpected healthcare costs
Open Account

Max Annual Contributions to your HSA

HSA

Type of Coverage 2023 2024 2025 2026
Individual HDHP Coverage $3,850 $4,150 $4,300 $4,400
Family HDHP Coverage $7,750 $8,300 $8,550 $8,750
Over 55 Catch-up $1,000 $1,000 $1,000 $1,000
Questions About HSA Benefits?

Health Savings Account FAQs

Have questions about how your HSA works? We've got answers. For additional support, reach out to our team.
What is a Health Savings Account?
A Health Savings Account is a triple tax-advantaged account for individuals covered by high-deductible health plans (HDHPs). At 3Rivers, your HSA comes as a checking account with money market dividends. Contributions are tax-deductible, funds grow tax-deferred, and withdrawals for qualified medical expenses are tax-free.
Am I eligible to open a 3Rivers HSA?
To qualify, you must be enrolled in a high-deductible health plan (HDHP), have no other comprehensive health coverage, not be enrolled in Medicare or TRICARE, and not be claimed as a dependent. Visit the IRS website, IRS.gov Publication 502, for more information
What qualifies as a medical expense?
Qualified expenses include doctor visits, copays, deductibles, prescriptions, dental care, vision care, mental health services, and medical equipment. For a complete IRS list, visit IRS.gov Publication 502. Keep receipts.
Do my funds roll over year to year?
Yes! Unused funds roll over indefinitely. There's no "use it or lose it" requirement like FSAs. Your money grows tax-deferred and earns dividends. This makes HSAs ideal for long-term healthcare savings and retirement planning.
How do I access my 3Rivers HSA funds?
Multiple options: Use your Mastercard® HSA debit card for direct purchases, transfer funds via online banking, use mobile app, write checks, withdraw from 35,000+ surcharge-free ATMs, or visit any 3Rivers branch. Access your funds anytime with no fees.
Grow Your 3Rivers Membership

Explore Other Savings Options

Combine your HSA with other 3Rivers savings products to maximize your financial growth and reach your money goals.
View Savings

Get in Touch

Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

Call Us

Reach our knowledgeable team anytime.
Call Now

Visit a Branch

Stop by any of our 24+ locations.
Find Locations

Schedule an Appointment

Book a meeting in-person, over-the-phone, or virtually.
Schedule Now