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Health Savings Accounts

A Health Savings Account (HSA) is an account you can use to save for future medical expenses and includes favorable tax treatment.


Any adult can contribute to an HSA if they:

  • Have coverage under an HSA-qualified high deductible health plan
  • Have no other first-dollar medical coverage (other types of insurance like specific injury insurance or accident, disability, dental, vision or long-term care insurance are permitted.)
  • Are not enrolled in Medicare or cannot be claimed as a dependent on someone else’s tax return

You can contribute to an HSA and so can your employer; however, annual contributions are limited.

Make a contribution to an existing HSA here and click on Manage My Account.

How to use your HSA

You’ll have access to your Heartland HSA with a debit card and checks. Click here to use Heartland’s Retirement Central for complete information and applications.

Please Contact Us if you have any questions.

Important Information

  • This account is used as a tax-deferred means of saving for medical expenses.
  • There is no application fee, no minimum balance requirement, and no per check fee.
  • At least $250 is required to earn dividends.
  • This is a tiered rate account. Daily balance dividends are calculated and paid monthly.
  • Dividends are not earned for the month in which the account is closed.

Health Savings Account

 Minimum to Earn DividendsRateAPY
Health Savings Account$250 - $2,4990.05%0.05%
Health Savings Account$2,500 - $4,9990.07%0.07%
Health Savings Account$5,000 - $14,9990.12%0.12%
Health Savings Account$15,000 +0.15%0.15%
Open an HSA

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