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HSA Guidelines

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Call us toll-free at (866) 234-8913.
Visit optumbank.com.

The IRS sets annual contribution limits for Health Savings Accounts. The 2017 contribution limits are:


You can use your HSA to pay for ongoing qualified medical expenses, such as eyeglasses, prescriptions and dental, vision and doctor office visits. Once your plan reaches a certain balance, you can invest your funds how you choose. Once you reach age 65, you will also be able to use your HSA to pay for Medicare premiums, or for whatever you choose. For a full list of allowable expenses, visit IRS.gov.

Terms you need to know

Medical Flexible Spending Account – A Flexible Spending Account (FSA) is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don’t have to pay taxes on this money. Except for a small annual carry-over, you must use all of the funds during the calendar year.  

Health Savings Account – A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP) as defined by the IRS. The funds contributed to an account are not subject to federal income tax at the time of deposit, can rollover from year to year, and are available to use on qualified medical expenses up to the amount contributed into the account. 

Opening an HSA Account

When you enroll, you can authorize Windstream to establish a Health Savings Account on your behalf. You’ll be prompted to affirm the set-up of a health saving account during your online Annual Enrollment session when making your medical election. You will receive an HSA debit card for payment convenience, and Windstream will pay the monthly account fee for active employees. It’s your money and you decide how you want to spend it. After enrollment you can access your account through OptumHealth.com. Review the Health Savings Q&A for more detail. 

You choose whether the Health Savings Account is right for you

These plans are designed and governed by federal regulations. You cannot contribute to the health savings account if: