Health Savings Accounts (HSAs)

Save for health care expenses with tax benefits and the ease of a debit card and bill pay. If you have a high-deductible insurance plan and are not enrolled in Medicare, you may be able to set aside pre-tax dollars to pay for upcoming medical expenses with a KALSEE HSA.

Use Your HSA to Pay:

Advantages of an HSA:

  • You may not pay income tax on money set aside by your employer or on dividends earned
  • The money in your HSA is yours, even if you change jobs
  • Any unused money in your HSA rolls over at the end of the year

Easily Access Your HSA via:

  • Debit card
  • Online bill pay
  • Branch member service representative


Earn Interest

Rate APY* Minimum balance to earn APY
0.75% 0.75% $50


2020 Contribution Limits

Single Family 55+
$3,550 $7,100 An additional $1,000 catch-up contribution is allowed


What’s a High Deductible Health Plan (HDHP)?

Single Family
Minimum Deductible $1,350 $2,700
Maximum Out-of-pocket $6,900 $13,800


Learn more about current HSA guidelines at
Rates effective:

*APY = Annual Percentage Yield. Rates are subject to change. Fees may reduce earnings. Consult a tax advisor regarding the tax benefits of your HSA.