Health Savings News February 2013  |  Issue 1
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Your HSA should work as hard as you do.

Be ready in 2013 to cover your health care expenses. Your HSA can help you pay for your deductible and unexpected qualified medical expenses.

Make the most of your HSA.

  1. Know how much you can contribute and make a savings plan
    In 2013, you can contribute up to $3,250 if you have an individual health plan and $6,450 if you have a family plan. If you are 55 or older, you can deposit an additional $1,000 until you are eligible for Medicare. Even if you can't make the full contribution, any amount you deposit is money well saved and earns you a tax savings.

  2. Use your HSA
    Cold and flu season means you may need to use your account to cover costs of doctor's visits, walk-in clinic visits or prescription medications. Review the list of qualified medical expenses so you know what you can pay for all year long from your HSA.

  3. Manage your HSA online
    Log into your account to review balances, pay a bill or reimburse yourself for a qualified medical expense.

  4. Begin the year with a Health Savings Checkup
    Have you thought about how much you will need to pay for health care when you retire? Log into your account and take the Health Savings Checkup to get an estimate of your retirement health care costs and help on ways to stay healthy, spend less and save more.
It's not too late to make the most of 2012, but you have to act now.
Make a deposit. There's still time to make a deposit toward your 2012 contribution limit. Log into your account to make a deposit before the tax filing deadline of April 15, 2013.
Access your 2012 IRS Form. Log into to access the 1099-SA, which you may need when filing taxes.
Are you saving enough? Log into your account to take the Health Savings Checkup and get an action plan to help you stay healthy and save money for the future. Look for this symbol to get started.
Get your HSA questions answered by a pro. Have questions on which tax forms you need for your HSA or how to pay a bill? Register to attend an upcoming Financial Forum.         © 2013 Optum Bank. All rights reserved.

Health savings accounts (HSAs) are individual accounts offered by Optum BankSM, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. State taxes may apply. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment, and restrictions. Federal and state laws and regulations are subject to change.

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