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Manage your financial health and financial expenses with the smart saving of an Health Savings Account (HSA)

Key Features

  • Tax-advantages
  • Flexible Contributions
  • Enhanced Funds Access
  • Easily save for medical expenses 
  • Deposits/contributions are tax-deductible 
  • Both employers and employees can contribute within annual limits 
  • Catch-up contributions available for those over 55 
  • Interest earned in HSA is tax-free 
  • Withdrawals for qualified medical expenses are tax-free 
  • Funds can be used for medical expenses even after contribution eligibility ends 


High deductible health plan members are eligible for a Health Savings Account (HSA) with Montana Credit Union. In addition, most adults under age 65 who are not enrolled in Medicare and are covered under a high-deductible health plan (HDHP) and can qualify for an HSA, but it is up to the account holders to determine their own eligibility. Please contact your tax advisor for further eligibility requirements.

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