After you enroll in an HSA-eligible HDHP, you’ll need to open an HSA separately to get started.

How to find an HSA financial institution

• Research HSA providers online. Use HSA comparison websites, like HSA Search, to help narrow your search.
• Check with your health insurance company to see if they partner with HSA financial institutions.
• Ask your bank if they offer an HSA option that meets your needs.

Things to think about when choosing an HSA

• Some HSAs have fees associated with them, like a charge for opening or closing the account and monthly maintenance fees.
• Banking options, services, and features, like debit cards and online banking, may differ by HSA provider.
• How you’ll make your pre-tax dollar deposits into your HSA may also vary.

Get more information

• See IRS Publication 502 for a list of qualified medical expenses: https://www.irs.gov/pub/irs-pdf/p502.pdf
• See IRS Publication 969 for information on the tax treatment of HSAs: https://www.irs.gov/publications/p969