7 An HSA allows you to use before tax dollars to reimburse yourself for eligible out-of-pocket medical expenses for you, your spouse and your dependents, which in turn saves you on taxes and increases your spendable income. Both you and your employer can contribute to your HSA. HSA’s have many benefits such as: • An HSA is yours. Funds in your HSA account stay with you, even if you change jobs. • Contribute tax free. An HSA reduces your taxable income. The money is tax free both when you put it in and when you take it out to cover qualified medical expenses. • Grow funds tax free. An HSA grows with you. When your HSA account balance reaches the minimum balance requirement, your funds can be invested in mutual funds yielding tax-free earnings. • Spend tax free. Withdrawals used for eligible expenses are tax free. • Funds can be withdrawn anytime for medical expenses. • After age 65, the funds can be used for any purpose, without penalty. YOUR JOURNEY TO SAVINGS ? HEALTH SAVINGS ACCOUNT (HSA) 2026 HSA Annual Contributions Individual: $4,400 Family: $$8,750 Employer Contributions Employee: $75 Employee + Spouse: $125 Employee + Children: $125 Family: $170 *Monthly amount