Why We love HSAs

Your HSA, Your $

Your HSA funds are your money, always - even if you leave A-B!

Lower Taxes

We're all for you putting more money in your pocket - and funds you contribute to HSAs are typically income tax-free*!

Tax-free investment gains

Taxes can take a chunk out of your investment gains - but not with invested HSA funds!* Spending is also tax-free when used for Qualified Medical Expenses.

*That is, unless you live in NJ or CA, in which case you should consult with your financial advisor. If you withdraw your HSA funds for expenses that are not Qualified Medical Expenses, penalties may apply. We said "typically" tax-free.

Check out this resource to learn about how to verify your income and employment.

Need to Change your HSA Contribution?

You have the power to change your HSA contribution within the Benefits Portal!

To change the amount you contribute, enter the Benefits Portal through SSO or log in, click Life Events - I need to change my current benefits and then select Change in Health Savings Account.

Confirm the date and confirm your personal information. Once you reach the Select Your Benefits page, scroll down to the Health Savings Account benefit and hit Change.

Enter the amount you want to contribute, click Calculate Cost, then click I'm Done With My Selection. Click Save My Election and proceed through the life event flow until your updated elections are submitted.

If you need help, reach out to the HR Service Center at 800-952-7522.

Which A-B Medical plans can you pair an HSA with?

HSAs can be paired with the Basic and Standard Medical Plans if you meet the eligibility requirements.

What's the difference between an HSA and a FSA?

Not sure what the difference between an HSA and a FSA is? The biggest difference is that you can save HSA funds and should plan to spend FSA contributions. You can learn more about FSAs here.

How Do Limited FSAs and HSAs Work Together?

The only Flexible Spending Account (FSA) used for health-related expenses that you can combine with a Health Savings Account is a Limited Flexible Spending Account, which can be used for dental or vision expenses.

You may consider enrolling in an HSA and a LFSA if:

  1. You think you will need the full amount you contribute to your LFSA on January 1st of next year for dental and vision expenses
  2. You want to keep your HSA funds stashed away for the future while still using pre-tax dollars to pay for dental or vision expenses

If you enroll in both accounts, plan to use your Limited FSA funds first.

Learn more about pairing Limited FSAs with HSAs.

Learn more about Health Savings Accounts (the pros and requirements to qualify) on HealthEquity's Learn Site.

Find discounts on home mortgages, insurance, moving vans/services, other home buying or selling costs, top car brands and auto insurance. My AB Discounts is available in the Benefits Portal's Discounts tile.

Find discounts on home mortgages, insurance, moving vans/services, other home buying or selling costs, top car brands and auto insurance. My AB Discounts is available in the Benefits Portal's Discounts tile.

Developing and sustaining meaningful relationships with others – family, friends, colleagues, your community. It encompasses the ability to engage in positive interactions, manage and understand emotions, feel belonging, and share and celebrate failures and successes with others.

Check out this resource to learn about how to verify your income and employment.

Who should you contact if you need help with your HSA?

If you have questions about your current HSA account, reach out to HealthEquity 24/7/365 at 866-346-5800.

If you want to learn more about Health Savings Accounts in general, check out HealthEquity's Learn Site.


Learn more about Health Savings Accounts (the pros and requirements to qualify) on HealthEquity's Learn Site.

Find discounts on home mortgages, insurance, moving vans/services, other home buying or selling costs, top car brands and auto insurance. My AB Discounts is available in the Benefits Portal's Discounts tile.

Find discounts on home mortgages, insurance, moving vans/services, other home buying or selling costs, top car brands and auto insurance. My AB Discounts is available in the Benefits Portal's Discounts tile.

Developing and sustaining meaningful relationships with others – family, friends, colleagues, your community. It encompasses the ability to engage in positive interactions, manage and understand emotions, feel belonging, and share and celebrate failures and successes with others.

More Information:

HSAs: Investing your HSA for Retirement Savings

Spend, Save and Invest With an HSA

8 HSA Myths, Busted

Flexible Spending Accounts