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Health Savings Account

Take control of your healthcare spending. Contribute pre-tax dollars for current and future medical expenses. Contact Us to Learn More

Health Savings Account

Take control of your healthcare spending. Contribute pre-tax dollars for current and future medical expenses. Contact Us to Learn More

The ANBTX Health Savings Account

The ANBTX Health Savings Account, or HSA, is a tax-advantaged personal savings account designed to help you pay for current and future healthcare expenses. It is designed for those with HSA-qualified health plans (usually high-deductible health plans) to help save money on many out-of-pocket medical expenses––like doctors office visits, vision care, dental care, and prescriptions.

a woman hugging her mom for getting a health savings account with ANBTX


Benefits of a health savings account:

  • Control – You decide how much to save (within IRS contribution limits) and which qualified medical expenses to pay
  • Tax advantages
    • Tax-free contributions––not subject to Federal income tax
    • Tax-free gains––interest you earn is tax-free
    • Tax-free withdrawals––no taxes on money you withdraw for qualified medical expenses
  • Yours for life––The money in your HSA is yours and you can use it to pay for qualified health care expenses throughout your entire life
  • Balance carryovers––Unused balances carry over from year to year with NO “use it or lose it” penalty
  • Additional retirement savings––After age 65, HSA funds can be withdrawn for any purpose without penalty (but may be subject to income tax if not used for IRS-qualified medical expenses)

an ANBTX employee going over a health savings account with a couple


The ANBTX health savings account:

Features at a glance

  • Variable interest bearing account
  • Monthly service charge of $5 or $0 (if $500 minimum daily balance is maintained)
  • Year one monthly service charge waived
  • Free debit card or check access

Plus benefits that include

  • Free online and mobile banking
  • Free debit card 
  • Easy access to free online statements (with check images)
  • Low $100 minimum opening deposit

What You'll Need to Open an Account

Applying is fast and easy! Gather the following information and we’ll have you ready to go in no time.

Have these handy:

  • Government issued ID, Drivers License, State ID, or Passport––with current address
  • Your complete physical and mailing addresses
  • Social Security Number
  • Date of Birth
  • $100 minimum opening deposit


Contact Us

a woman talking about a health savings account with an ANBTX employee


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How Can We Help?

Contact us to learn more about Health Savings Accounts.

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2026 HSA contribution limits:

  • An individual with coverage under a qualifying high-deductible health plan (deductible not less than $1,700) can contribute up to $4,400 for the year. The maximum out-of-pocket is capped at $8,500. 
  • An individual with family coverage under a qualifying high-deductible health plan (deductible not less than $3,400) can contribute up to $8,750 for the year. The maximum out-of-pocket is capped at $17,000.
2027 HSA contribution limits:
  • An individual with coverage under a qualifying high-deductible health plan (deductible not less than $1,750) can contribute up to $4,500 for the year. The maximum out-of-pocket is capped at $8,700. 
  • An individual with family coverage under a qualifying high-deductible health plan (deductible not less than $3,500) can contribute up to $9,000 for the year. The maximum out-of-pocket is capped at $17,400.
2026/2027 HSA catchup contribution:
  • Eligible individuals, 55 or older, can contribute an additional “catch-up” contribution of $1,000 per year. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.