Qualified individuals eligible under a high-deductible health plan can establish a Health Savings Account. This account is a potential tax advantage to offset high deductible health plan expenses. All unused contributions stay in your account, earning tax-deferred interest until you need them. The money in your HSA also remains available even if you change health plans, employers, or retire.

• $100 to open account

• $5 monthly charge if one or more checks post to account during the month