Health Savings Accounts

A way for employees to save and pay for healthcare expenses

Learn about HSAs

To contribute to an HSA, you must have a qualifying high-deductible health plan (HDHP). Save money in your HSA as you would in any other interest-bearing account, and use your HSA dollars, tax-free, to pay for healthcare expenses. What you don't spend continues to grow, year after year. After age 65, you can choose to continue to use your HSA tax-free for healthcare expenses or use it for other purposes as taxable income.

Everyone is always so friendly. It’s like a family.
-Henry K.

HSA Eligibility

To be eligible to set up an HSA, you:

  • Must be covered under a high-deductible health plan (HDHP)
  • Can have no health coverage other than the HDHP (certain exceptions may apply)
  • May not be enrolled in Medicare
  • Cannot be claimed as a dependent on someone else's tax return

Employers may choose to offer HSAs as a benefit to their employees. Individuals enrolled in HDHPs may also open their own HSAs.  


Discovery Benefits sets up and administers HSAs. For answers to your questions and to find out if you are eligible for an HSA, please contact Discovery Benefits at 877-765-8815 and ask to talk to a representative about an individual HSA.

Why Bell

Your life, your healthcare – they’re of the utmost importance. We feel the same way, and we can help you plan for expenses and your future.

Great Rates, Great Times

Let our great rates on car, boat and RV loans help you get behind the wheel! Check out our loan specials, and start logging miles and memories.

Get Your Friends to a Better Bank

Refer your friends to Bell – have them mention your name – and reap the oh-so-sweet benefits when they open their first checking account. (Yes, it’s that easy!)

Expect the Best in Insurance

When the worst happens, expect the best with Bell Insurance. Get coverage in your best interest, competitive pricing, stress-free claims, and the service you expect from Bell.