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Health Savings Account: Invest in your future
Health Savings Accounts (HSAs) provide a unique opportunity to build tax-free1 savings for your future allowing you to earn income and pay for qualified medical expenses. If you are enrolled in an HSA compatible health plan and meet certain other eligibility requirements, you can open an HSA.
The Wells Fargo HSA rewards you with competitive rates of interest as the balance in your FDIC-insured deposit account grows. You also have the option to invest in a selection of Wells Fargo Advantage Funds® when your HSA reaches a minimum deposit account balance. You can have an HSA in addition to an IRA or 401(k).
When you save through a Wells Fargo HSA, your benefits include:
* An FDIC-insured, interest-bearing deposit account
* Option to invest in Wells Fargo Advantage Funds – one of the largest fund companies in America
* Opportunity to transfer funds from an existing IRA into an HSA
* Growing your money tax free
* Tax deductible contributions with no income cap
* You can make contributions any time during the tax year in any amount up to the annual maximum
* You own the account, even if you change jobs or health plans
* Once you turn 65, it becomes similar to a regular IRA
o Withdrawals used for eligible medical expenses remain tax free
o Withdrawals used for non eligible medical expenses are subject to regular income tax
* No set up, transaction or investment fees, just a low administrative fee of $4.25 per month
See how your funds could grow:
Graph shows 20 years, with an annual contribution of $3,000, $500 in qualified medical expenses paid from the HSA annually and a 5% annual average rate of return.
When you open a Wells Fargo HSA your benefits include:
* Easy funds access: The Wells Fargo Visa® HSA debit card allows you to conveniently pay for qualified medical expenses
* No “use it or lose it” rule: Unlike a Flexible Spending Account, at the end of the year your balances carry over
* Account ownership: Even if you change jobs or health plans, you control the funds in your HSA, and decide when and how you want to use them
* 24x7 online access: You can manage your account online anywhere with internet access
An HSA compatible health plan and HSA may be a good option for you if:
* You want to lower your health insurance premiums and pay for out-of-pocket medical expenses with tax-free funds
* You’re self-employed
* You or your family have ongoing qualified medical expenses not covered by insurance
* You are planning on elective surgeries and other procedures not covered by standard health insurance but are considered qualified medical expenses
Learn More
* See a case study
Remember to contribute up to the maximum annual amount allowed by the IRS to maximize your tax savings. In 2010, the maximum allowed is $3,050 for single coverage and $6,150 for family coverage. If you are age 55 or older, you can make an additional catch-up contribution amount of up to $1,000. In 2011, the maximum annual amounts will stay the same.3
Enroll Now
Health Savings Account: Invest in your future
Health Savings Accounts (HSAs) provide a unique opportunity to build tax-free1 savings for your future allowing you to earn income and pay for qualified medical expenses. If you are enrolled in an HSA compatible health plan and meet certain other eligibility requirements, you can open an HSA.
The Wells Fargo HSA rewards you with competitive rates of interest as the balance in your FDIC-insured deposit account grows. You also have the option to invest in a selection of Wells Fargo Advantage Funds® when your HSA reaches a minimum deposit account balance. You can have an HSA in addition to an IRA or 401(k).
When you save through a Wells Fargo HSA, your benefits include:
* An FDIC-insured, interest-bearing deposit account
* Option to invest in Wells Fargo Advantage Funds – one of the largest fund companies in America
* Opportunity to transfer funds from an existing IRA into an HSA
* Growing your money tax free
* Tax deductible contributions with no income cap
* You can make contributions any time during the tax year in any amount up to the annual maximum
* You own the account, even if you change jobs or health plans
* Once you turn 65, it becomes similar to a regular IRA
o Withdrawals used for eligible medical expenses remain tax free
o Withdrawals used for non eligible medical expenses are subject to regular income tax
* No set up, transaction or investment fees, just a low administrative fee of $4.25 per month
See how your funds could grow:
Graph shows 20 years, with an annual contribution of $3,000, $500 in qualified medical expenses paid from the HSA annually and a 5% annual average rate of return.
When you open a Wells Fargo HSA your benefits include:
* Easy funds access: The Wells Fargo Visa® HSA debit card allows you to conveniently pay for qualified medical expenses
* No “use it or lose it” rule: Unlike a Flexible Spending Account, at the end of the year your balances carry over
* Account ownership: Even if you change jobs or health plans, you control the funds in your HSA, and decide when and how you want to use them
* 24x7 online access: You can manage your account online anywhere with internet access
An HSA compatible health plan and HSA may be a good option for you if:
* You want to lower your health insurance premiums and pay for out-of-pocket medical expenses with tax-free funds
* You’re self-employed
* You or your family have ongoing qualified medical expenses not covered by insurance
* You are planning on elective surgeries and other procedures not covered by standard health insurance but are considered qualified medical expenses
Learn More
* See a case study
Remember to contribute up to the maximum annual amount allowed by the IRS to maximize your tax savings. In 2010, the maximum allowed is $3,050 for single coverage and $6,150 for family coverage. If you are age 55 or older, you can make an additional catch-up contribution amount of up to $1,000. In 2011, the maximum annual amounts will stay the same.3
Enroll Now