Health Savings

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Start saving today for a healthier tomorrow

A Health Savings Account (HSA) paired with an HSA-qualified health plan allows you to make tax-free contributions to an FDIC-insured savings account. It's a smart way to manage your money for tomorrow's health expenses. Inland Bank also offers programs for Employers and Brokers, designed to provide educational and administrative support.

 

 

1 - No fees associated with the set up or monthly maintenance of the HSA account. Please see personal fee schedule for any ancillary fees that may be associated with your account.

2 - Inland HSA will work with Employer Groups who are using payroll contributions for employee accounts.   

3 - Funds in excess of $250.00 can be transferred to a select group of mutual funds. Participation in the Health Savings Account (HSA) investment options is voluntary and requires a separate agreement with myHSAinvestments. Neither Inland Bank and Trust nor its subsidiaries (collectively "Inland Bank") are parties to that agreement nor are they affiliated with myHSAinvestment. Any fees charged by myHSAinvestments are in addition to fees charged by Inland Bank. When you activate your myHSAinvestments account, you pay a 0.50 percent annual fee invoiced quarterly (0.125 percent per quarter or $1.25 per $1,000 of account value). The minimum quarterly myHSAinvestments account service fee is $5.00. Investors should carefully read the Fund prospectus, which includes information on the Fund's investment objectives, risk, as well as charges and expenses along with other information, for each Fund before investing or sending money. Once you transfer funds to your HSA ADVANTAGE investment account, they become subject to your agreement with myHSAinvestments. Funds in the investment portion of your HSA ADVANTAGE account are not FDIC insured, May Lose Value and are Not Bank Guaranteed. Inland Bank is not a registered investment advisor nor is Inland Bank acting in the capacity of a registered investment advisor with respect to the offering of HSA investment options. Under no circumstances is Inland Bank offering any of the HSA investment options and makes no representations with respect to the investment options offered. Inland Bank disclaims any and all liability, contingent or otherwise, for the performance of the HSA investment options. Please see your financial advisor for personal investment advice.

HSA Advantages

What is an HSA?

An Inland Bank Health Savings Account (HSA) is like an IRA for your healthcare that empowers you to prepare for and manage healthcare costs. HSAs offer triple tax benefits, including tax-free saving, interest growth, and spending on qualified medical expenses anytime, from today throughout your retirement—something you can’t get from other retirement accounts1. HSAs complement your retirement plan, helping you prepare for the $250,000 or more you will need for retirement medical expenses. HSAs can also be used to save and pay tax-free today for your qualified healthcare expenses—from doctor’s visits to prescriptions, as well as dental and vision expenses. More than 15,000,000 have enrolled in an HSA.

HSA Eligibility

To be eligible for an HSA, you must meet the following requirements, as defined by the IRS:

  • You must be covered under a qualifying high-deductible health plan (HDHP) on the first day of the month. 
  • You have no other health coverage except what is permitted by the IRS.
  • You are not enrolled in Medicare
  • You can’t be claimed as a dependent on someone else’s tax return.
  • You haven’t received Veterans Affairs (VA) benefits within the past three months, except for preventive care. If you have a disability rating from the VA, this exclusion doesn’t apply.
  • You do not have a health care flexible spending account (FSA) or health reimbursement account (HRA). Alternative plan designs, such as a limited-purpose FSA or HRA, might be permitted.
  • Other restrictions and exceptions may also apply. We recommend that you consult a tax, legal or financial advisor to discuss your personal circumstances.

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Benefits of HSA :

  • HSA contributions are tax deductible. You get to keep the money in your HSA, no matter what. When you, your employer or anyone else makes a deposit into your health savings account, it stays there forever. There is no "use it or lose it" rule, even if you move off the high-deductible health plan. It's a great way to save a pocket of money for retirement. Plus, any money you keep in your account will earn interest.
  • These tax savings can allow you to save up to $25 or more for every $100 contributed to your HSA.  

   WITHOUT AN HSA    WITH AN HSA
Income  $1,000  $1,000
HSA Contribution  $0  $1,000
25% Federal Income Tax  -$250  $0
Money to spend on qualified expenses  $750  $1,000

  • You can prepare for unexpected medical expenses. You can put money into your HSA and use it for unexpected medical expenses that happen without warning. You can also pay for qualified medical expenses as they come up and use your HSA to reimburse yourself.
  • You can choose to invest your HSA dollars. With an HSA, you have the ability to invest your savings in a variety of mutual fund offerings. The best part is, the money that you earn through investing generally is income tax-free. You can use that money for future medical expenses, or even for retirement.
  • You can use your HSA for anyone in your family. You can use your HSA to pay for the qualified medical expenses of anyone you claim on your taxes, even if you're only enrolled with single coverage. This is a great way to plan for unexpected medical expenses for the whole family.

Here is why Health Savings Accounts (HSA) can put extra money in your pocket

HSA-qualified health insurance premiums are typically lower than other health insurance plans. If your premiums are lower, you can contribute the premium savings to your HSA — it’s like earning extra income, and it’s saved in an account that is yours to keep.

Health Savings Accounts (HSA) typically offer more benefits than Flexible Spending Accounts (FSA)

Each offers tax-free contributions and spending on qualified medical expenses. Higher annual limits for contributions mean more family tax savings potential with HSAs. Also, funds in HSA roll over year to year, unlike a FSA; in which the funds do not roll over.

Contribution Limits

What are the limits for a 2019 and 2020 health plan?

2019

Plan Type  Minimum Deductible    Maximum Out-of-Pocket Contribution Limit   55+Contribution
Single  $1,350 $ 6,750  $3,500 $1,000 
Family  $2,700  $13,500  $7,000 $1,000

 

2020

Plan Type  Minimum Deductible    Maximum Out-of-Pocket Contribution Limit   55+Contribution
Single  $1,400 $ 6,900  $3,550 $1,000 
Family  $2,800  $13,800  $7,100 $1,000 

Individuals age 55 and over may contribute an additional $1,000 above the maximum for each tax year.

Check with your employer to see if you can contribute to your HSA with before-tax payroll deductions. Or, you can make contributions to your HSA up to the annual IRS contribution limits on an after-tax basis and deduct them on your tax return.

Qualified Expenses

Expenses incurred by the account beneficiary and his or her spouse and dependents; COBRA premiums; Health insurance premiums while receiving unemployment benefits; Qualified long-term care premiums; Medicare premiums, by individuals age 65 or older. This list below provided by irs.gov is not all-inclusive; additional expenses may qualify, and the items listed below are subject to change in accordance with IRS regulations. For more information or clarification on individual list items, refer to Publication 502, visit the IRS website by clicking the link below or consult a tax professional.

Click here to visit the IRS Website for a complete list of qualified and non-qualified expenses

  • Ambulance
  • Annual Physical Examination
  • Artificial Limb
  • Artificial Teeth
  • Bandages
  • Body Scan
  • Braille Books and Magazines
  • Capital Expenses
  • Chiropractor
  • Contact Lenses
  • Crutches
  • Dental Treatment
  • Diagnostic Devices
  • Disabled Dependent Care Expenses
  • Drug Addiction
  • Drugs
  • Eye Exam
  • Eyeglasses
  • Eye Surgery
  • Founder’s Fee
  • Guide Dog or Other Service Animal
  • Health Institute
  • Health Maintenance Organization (HMO)
  • Hearing Aids
  • Home Care
  • Home Improvements
  • Hospital Services
  • Insurance Premiums
  • Intellectually and Developmentally Disabled, Special Home for
  • Laboratory Fees
  • Lead-Based Paint Removal
  • Learning Disability
  • Legal Fees
  • Lifetime Care-Advance Payments
  • Long-Term Care
  • Meals
  • Medical Conferences
  • Medical Information Plan
  • Medicines
  • Nursing Home
  • Nursing Services
  • Operations
  • Optometrist
  • Organ Donors
  • Osteopath
  • Oxygen
  • Physical Examination
  • Prosthesis
  • Psychiatric Care
  • Special Education
  • Stop-Smoking Programs
  • Surgery
  • Therapy
  • Transplants

 

Learning Center

HSA Forms

Please contact us at HSA@inlandbank.com or call us toll free at 877.908.6555 for additional requests including debit card requests, change of address, change of direct deposit, contribution and distribution requests.

Frequently Asked Questions

How does an HSA plan work?

An HSA works in conjunction with high deductible health insurance. Your HSA dollars can be used to help pay the health insurance deductible and any qualified medical expenses, including those not covered by the health insurance, like dental and vision care. Any funds you withdraw for non-qualified medical expenses will be taxed at your income tax rate, plus 20% tax penalty.

Once you meet your calendar-year deductible, the health insurance pays remaining covered expenses in accordance with the terms and conditions of your particular plan. Some plans pay 100% of covered expenses after the calendar-year deductible is met.

Can my HSA be used to pay premiums?

No, this would be a nonmedical withdrawal, subject to taxes and penalty.

Exceptions

No penalty or taxes will apply if the money is withdrawn to pay premiums for:

1. Qualified long-term care insurance; or

2. Health insurance while you are receiving federal or state unemployment compensation; or

3. Continuation of coverage plans, like COBRA, required under any federal law; or

4. Medicare premiums.

Are contributions to my HSA tax deductible or not tax deductible?

If contributions to your HSA are made with pre-tax dollars (money that you contribute through payroll deduction), those contributions are not considered taxable income. If contributions to your HSA are made with post-tax dollars (Money that has already been subject to income tax), those contributions are deductible on your federal income tax return.
Note: Check with your employer and/or tax advisor for details about how contributions are made to the plan.

What happens to my HSA if I leave my health plan or job?

You own your account, so you keep your HSA, even if you change health insurance plans or jobs. We can continue to administer your HSA account if you choose. If you no longer are enrolled in a high-deductible health plan, you are not eligible to make new contributions to your HSA, but you can continue to withdraw funds for qualified expenses.

What happens to your HSA in event of death?

Your HSA will be treated as your surviving spouse’s HSA, but only if your spouse is the named beneficiary. If there is no surviving spouse or your spouse is not the beneficiary, then the savings account will cease to be an HSA and will be included in the federal gross income of your estate or named beneficiary.

What expenses are qualified for reimbursement from my HSA?

You are eligible to receive tax-free reimbursement for qualified health expenses not covered by your insurance as defined by Section 213(d) of the Tax Code. A list of these expenses is available on the IRS website, www.irs.gov. HSA distributions used for any purpose other than the qualified medical expenses listed will be taxable, and the appropriate tax rules will apply.

What happens when I reach age 65?

When you reach age 65, if you are still in a group HSA qualified plan, nothing changes. You can still contribute and use HSA dollars tax free. If you enroll in any form of Medicare, you cannot make new contributions but, you may use your HSA funds tax free for qualified expenses and draw funds as ordinary income without penalty.

Guidelines for completing a Rollover of funds from an HSA

  • The accountholder has 60 days to roll the funds over to a new trustee or custodian to avoid tax consequences.
  • You may make a rollover contribution of funds from another HSA during a one‐year period.
  • The rollover amount does not count toward your annual contribution limits.

*Please note, rollovers may be completed one time annually for tax free accounts. We recommend you consult a tax advisor regarding rollovers and transfers.

To avoid possible tax consequences, the rollover funds must be deposited within 60 days of the funds distribution. Individuals can roll over contributions once every 12 months into their Inland Bank HSA.

Guidelines for completing a Transfer of funds from an HSA

  • You may make a transfer contribution of funds from another HSA at any time.
  • The transfer amount does not count towards your annual contribution limits.
  • Inland Bank does not provide tax advice. Consult your tax advisor for more information.

What is a qualified healthcare expense?

Qualified expenses are outlined in IRS Publication 502.

What about nonmedical withdrawals?

Nonmedical withdrawals from your health savings account are taxable income and subject to a tax penalty.

Exceptions
This tax penalty does not apply if the withdrawal is made after the date you:

1. Attain age 65;

2. Become totally and permanently disabled; or

3. Decease

How do I access my Inland Bank HSA checking account online?

You can log in to your account anytime at www.inlandbank.com.

Will I lose my HSA balance at the end of the year?

No. Once money is in your HSA, it is yours and will not be forfeited at the end of the year. Your balances will rollover year after year. The HSA is yours, even if you leave your employer, retire, or change health plans.

Can I use my HSA to pay for my spouse’s or children’s healthcare expenses?

Yes. Your HSA can be used to pay for qualified healthcare expenses of your spouse and any family member who qualifies as a tax dependent. Remember, if your spouse and/or dependents are not covered by your health plan, their expenses will not apply to your deductible.

Who can make a deposit to my HSA?

Anyone can contribute to your HSA, however, only you and your employer (if applicable) receive tax deductions on contributions. When you contribute through payroll deductions, your contributions are pre‐tax.

Can I spend my HSA dollars any time?

Yes. You can withdraw your HSA funds at any time, tax‐free, and without penalty when you are paying for qualified healthcare expenses. If you withdraw funds for non‐qualified expenses, you will pay income tax plus a 20% penalty.

Pay with an HSA

You have several ways to pay for qualified medical expenses:

VISA Debit card
Use the Inland Bank Visa® HSA debit card  to:

  • Pay on-the-spot at a doctor’s office, pharmacy or other health care facility.
  • Pay a bill you receive from a doctor or other provider.

Online bill payment
Use our secure website to send payments directly to your health care providers, pharmacy, or other payees.

Reimbursement
When you pay for qualified expenses out-of-pocket, you can log in and request an ACH or check disbursement or write a check out of your HSA.

Inland Bank Mobile App
Always on the go? Download the Inland Bank Mobile App today to send payments directly to your health care provider and reimburse yourself for an out-of-pocket payment, without ever having to sit down at your computer.

Will Inland Bank monitor my account for authorized withdrawals and deposit limitations under the IRS rules for Health Savings Accounts?

We will report activity on your account to the IRS at year‐end, but you are responsible for keeping track of funds deposited and whether or not withdrawals fall under the guidelines for HSA accounts.

How do I contact Inland Bank?

Contact us at HSA@inlandbank.com or call us toll free at 877.908.6555.

 

HSA Tools

Getting the Most out of Your Health Savings Dollars

Mistaken Distribution - A mistaken distribution occurs when an HSA owner takes an HSA distribution that was mistakenly believed to be qualified. A distribution may only be returned as a mistaken distribution if deposited no later than April 15 of the year following the year it was determined to be a mistaken distribution. Please contact us at 877.908.6555 or email us at HSA@inlandbank.com.

Excess Contribution- An excess contribution occurs when you put more money into your Health Savings Account(HSA) than the law allows. You can withdraw the excess amount plus earnings by the date your tax return is due for the year, including extensions. Please contact us at 877.908.6555 or email us at HSA@inlandbank.com.

Special contributions

Build your HSA balance by transferring or rolling over funds from an IRA or another HSA.

* Distributions, rollovers and transfers are subject to IRS restrictions. Please contact your tax advisor for information.

Request an IRA distribution

You can make a one-time contribution from a traditional IRA or Roth IRA into your HSA. Contact your IRA administrator to request a distribution. Keep in mind that the amount of the contribution cannot be more than you are eligible to contribute to your HSA for the tax year. If your employer contributes to your HSA, make sure to take that into account.

 Transfer funds from another HSA

If you have an HSA from another bank that you want to close, you can transfer the funds to your Inland Bank HSA. To do so, download, fill out and send the Request to Transfer HSA to the previous administrator.

Rollover funds from another HSA

If you want to move funds from an existing HSA to your Inland Bank HSA, you can request a distribution from your current administrator and send us a check with the Rollover Review Form. 

HSA Video

 

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Investment FAQs

Frequently Asked Questions

How does the account work?

myHSAinvestments are self-directed investments, but are still considered part of your HSA for tax purposes. This means you choose from the available list of funds in which to invest a portion of your HSA dollars. Any earnings from your HSA investments grow tax free. Inland Bank is not a registered investment advisor nor is Inland Bank acting in the capacity of a registered investment advisor with respect to the offering of HSA investment options. To contact myHSA investments please call 1.952.446.7400 or email info@myHSAinvestments.com.

 Do I need to understand investing to use myHSAinvestments?

You do not need to be experienced at investing to use myHSAinvestments. Start by visiting myHSAinvestments.com and selecting the “Learn More” button on the “Home” page, and you will be guided through the set-up process. To contact myHSA investments please call 1.952.446.7400 or email info@myHSAinvestments.com.

How do I enroll in myHSAinvestments?

Enrolling at myHSAinvestments.com is easy:

  • Visit myHSAinvestments.com and complete the short application linking your HSA account to the investment platform.
  • You will need to enter your HSA account number and ABA routing number as well as a few pieces of identifying information. Then select your initial investment elections.
  • Once you enroll, your HSA account number and requested balance information will be verified.
  • When the account has been verified, an ACH transfer will move the money from your HSA to your myHSAinvestments account and invest the money into your initial investment elections. You will receive a confirmation email from myHSAinvestments notifying you when the account has been set up. At this point, you can view your account.

What research tools are available to me in myHSAinvestments?

Mutual fund prospectuses and Morningstar® reports can be found on the myHSAinvestments website. Under “Planning Tools” you will find the “HSA Guided Portfolio” to help you select investments that fit your objectives, and a variety of other HSA resources to help you get the most out of your HSA.

What is HSA Guided Portfolio?

HSA Guided Portfolio is a planning tool that helps you make the most appropriate investments for your objectives and risk tolerance. Think of it as: “We Guide, You Choose.” After completing a few simple questions about your risk tolerance, how you intend to use your HSA investment account, and your need to access the money in your myHSAinvestments account, a potential allocation mix is provided. This allows you to choose your investment options; select the rebalancing timing that meets your needs; and enroll in the auto rebalance option, which automatically rebalances your investment assets on a monthly, quarterly, or yearly cycle.

What does it cost to use myHSAinvestments?

When you activate your myHSAinvestments account, you pay a 0.50 percent annual fee invoiced quarterly (0.125 percent per quarter or $1.25 per $1,000 of account value). The minimum quarterly myHSAinvestments account service fee is $5.00. This will be deducted from your myHSAinvestments account each quarter, around the tenth business day of the month following the end of the quarter that your myHSAinvestments account was opened. Standard expense ratios and fees inside the mutual funds may apply based on the funds you choose.

What are my mutual fund options?

The current lineup of myHSAinvestments mutual fund options can be found at myHSAinvestments.com under Investment Options.

How do I obtain a prospectus for the available mutual funds?

You can find links to each fund’s prospectus under the “Planning Tools” section of the myHSAinvestments website. Simply click “Mutual Fund Information.” Next to each fund is a link to the prospectus.

How often can I make changes to the mutual funds in myHSAinvestments?

You can make changes to your investment holdings once a day. Keep in mind, mutual funds are considered long-term investments and some funds may charge short-term redemption fees to discourage market timing practices. Please review the fund’s prospectus for fees related to the fund’s short-term trading policies.

How do I pull money from my HSA investments back to my base account to pay a bill?

You can move money back to your base HSA by using the “Transfer to HSA Account” link under the “Plan Services” tab. Your mutual funds will be liquidated according to your current fund percentage allocations and dollars will typically be transferred to your base HSA account within two to three business days.

How often are my balance and activity information in myHSAinvestments updated?

Your balance and activity status are updated on a nightly basis in accordance with New York Stock Exchange trading days.

What minimum investments apply?

No minimum investment amounts apply to the mutual funds through myHSAinvestments.

What commissions or loads apply?

The mutual funds in this program are either no-load, load-waived, or (where available) institutional share class funds, which means any retail loads or commissions do not apply.

How often should I rebalance my asset allocation in myHSAinvestments?

myHSAinvestments is self-directed, which means you are in charge of important decisions like when to rebalance your portfolio so your investments stay in line with your original asset allocations. Rebalancing is important because it requires you to review your goals, objectives, health care needs and risk tolerance on a regular basis (the frequency is up to you). With HSA Guided Portfolio, you can automatically schedule rebalancing and easily maintain your asset allocation strategy. Be sure to consult your personal investment advisor before making any investment decisions.

What is the expense ratio of the mutual funds?

The expense ratio will vary by fund. You can find this information in the fund’s prospectus or the current Morningstar® report by clicking on the fund name in your myHSAinvestments investment account. We make every effort to provide the share class with the lowest possible expense ratio available.

How will I know if the funds I choose are subject to redemption or exchange fees?

Redemption and exchange fees will vary by fund and fund family, so you should consult the fund’s prospectus for redemption or exchange fee information. You may also find redemption fee information on the fund’s website under the “Realignments” link.

What happens to the dividends or interest I earn on my mutual fund investments?

Dividend or interest income earned on your mutual fund investments is automatically reinvested back into the fund based on your investment selections.

If a new fund is added to the group of available mutual funds within the same asset class, can I invest in both funds?

From time to time, we may make changes or additions to the group of available funds. As a self-directed offering, you may invest in any or as many funds as you choose.

If I own any of the mutual funds in the myHSAinvestments outside of the myHSAinvestments, will I be eligible for breakpoints?

The mutual funds in myHSAinvestments are traded without a “load” commonly known as “load-waived.” These shares typically would not apply when purchasing load funds of the same family outside of myHSAinvestments. Contact the fund company directly to review their individual policies on breakpoints.

Is the money I invest in myHSAinvestments FDIC insured?

No. Mutual funds are not insured by the FDIC, nor are they guaranteed by your HSA provider bank. As is the nature of investing, mutual funds may lose value, so it is your responsibility to understand the risks of investing your HSA dollars. Neither your HSA Provider, nor Devenir Group, LLC, the third party, can provide investment advice to you on this program. Once you transfer funds from your HSA to myHSAinvestments, these dollars are no longer covered by applicable FDIC or NCUA insurance. We recommend you speak with a licensed investment advisor or consult the prospectus should you have questions about any investment. myHSAinvestments is powered by Devenir Group, LLC.

Tax Center

Frequently Asked Questions

How do I save on taxes with an HSA?

The money you contribute to your HSA is tax-deductible up to the annual contribution limit. For example, if you are in the 28 percent tax bracket and deposit $3,000 into your HSA, you could save $840 in federal income taxes. Money you take out of your HSA to pay for qualified medical expenses is tax-free. Interest you may earn on your HSA grows income tax free.

Which forms do I need to file my taxes?

There are three tax forms associated with health savings accounts (HSAs): IRS Form 1099-SA, 5498-SA and IRS Form 8889.

Please use the information in your 1099-SA form, available online, to fill out IRS tax form 8889. Form 8889 is the only one you need to submit with your taxes. You can find IRS tax form 8889 in the “Statements & Docs” section after signing in to your account.

  • IRS form 1099-SA shows the amount of money you spent from your HSA during the tax year.
  • IRS form 5498-SA shows the amount of money deposited into your HSA for the tax year.
  • IRS form 8889 is the form you fill out and submit with your tax return.

When will I get my tax forms?

IRS Form 1099-SA is typically available at the end of January. It will be posted to your account and mailed, if elected. IRS Form 8889 can be downloaded from IRS.gov at any time.

IRS Form 5498-SA is typically available around the end of January. If you contribute in the new year for the previous tax year, you will also get another 5498-SA form in May.

Why doesn’t my W-2 match the Form 5498-SA?

If the contributions on your W-2 don’t match your Form 5498-SA, you likely made after-tax contributions or contributions between January 1 and tax day for the previous tax year.

What do I need to report to the IRS?

In addition to the forms noted above, keep track of your spending in case you have to prove you used funds for qualified medical expenses. It’s up to you to keep track of your expenses and report any funds you use for nonqualified medical expenses.

What about nonqualified expenses?

It’s up to you to maintain records to verify that funds were used for qualified medical expenses. Funds used for nonqualified expenses will be taxed as income and subject to a 20 percent penalty. If you mistakenly use your HSA for a nonqualified expense, you can return the funds to your HSA to avoid the penalty. If you are 65 or older or enrolled in Medicare, you can use your HSA for nonmedical expenses without incurring a tax penalty. Those distributions will be treated like retirement income and will be subject to normal income tax.

What happens if I contribute too much?

If you contribute more than the allowable amount, you will have to count the extra amount as taxable income, and the IRS may have you pay a 6 percent excise tax on the excess contributions. This tax applies to each tax year the excess contribution remains in the account.

If you do make excess contributions, you can prevent being penalized by completing an HSA Distribution Form (view our forms Library) to have excess funds returned to you.

Where can I find my state tax information?

Each state can decide to follow the federal tax guidelines for HSAs or establish its own. Please consult a tax advisor regarding your state’s rules or visit your state’s Department of Revenue office for more information.

While health savings accounts (HSAs) were created by the federal government, states can choose to follow the federal tax treatment guidelines or establish their own.

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