United Bank & Trust

Health Savings Account (HSA)

Healthcare professional reviewing medical paperwork during a patient consultation.

A flexible way to save for healthcare costs

An HSA helps you set aside money specifically for healthcare purposes while having tax advantages.  These accounts work with qualifying health plans to ensure you are able to pay for your healthcare needs.  

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A good fit when

  • You are enrolled in a high-deductible health plan
  • You are looking to set aside funds for medical expenses now, in the future, or both

What to know before opening 

  • No setup fee
  • $2.00 monthly maintenance fee1 
  • Earn tiered interest 

Contribution limits

Annual contribution limits are set by the IRS and are subject to change each year. 

HSA Type 2026 2025
Single HDHP $4,400 $4,300
Family HDHP $8,750 $8,550
Catch-Up (if age 55 or over) $1,000 $1,000

Open your account

Stop in or call us and we will walk you through eligibility and open your account with you. 

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1Fees subject to state and local option sales tax

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