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Health Savings Account 
A HSA is a tax-advantaged account that works with a digh-deductible health plan to help you pay for current and
future qualified medical expenses. HSAs are offered to qualifying individuals only in conjunction with a high
deductible health plan (HDHP).
Key Benefits                                                                                                                          
  • Tax Savings-HSA contributions are tax-deductible, and earnings and eligible withdrawals

                 are tax-free, as long as certain requirements are met

  • Ownership and Control-You own your account and decide how to spend your

                 healthcare dollars

  • Convenience-You can use your HSA Visa® debit card to get instant access to your HSA and

                 pay for eligible out-of-pocket health expenses.

  • Portablitliy-You can continue your account even if you change places of employment. Patriot

                 Bank will still be here to service your account.

  • Roll Over- Unlike Flexible Spending Accounts with "use it or lose it" requirements, money

                 left over in your  HSA at the end of the year rolls over into the next year