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Use our handy calculators to help budget, estimate your savings and more!

Personal Program

What is a HSA?

A Health Savings Account is a tax-exempt account that is used exclusively for the payment of qualifying medical expenses.

Qualifying Medical Expenses¹

• Over-the-Counter Medicines
• Chiropractic/Physical Therapy
• Dental & Optical
• Prescription Drugs
• Medical Equipment
• Nursing & Doctor Services
• Alcohol/Drug Treatment
• Prescribed Weight Loss
• Emergency Care

Eligibility²

You are eligible for a HSA if the following conditions are met:

• You cannot be claimed as dependent on someone else's tax return.
• You may not be covered by any other health insurance.
• You must not be enrolled in Medicare.
• You must be covered by a qualifying High Deductible Health Plan.

High Deductible Health Plan (HDHP)
is a plan with a minimum deductible and a maximum out-of pocket expense, both of which are shown below.

	Min. Annual Deductible	Max. Out-Of-Pocket Expense
Single-Only Coverage	$1,200	$5,950
Family Coverage	$2,400	$11,900

By establishing a HSA and having a High Deductible Health Plan, you are taking healthcare savings back into your own hands to help you make the decisions that are right for you!

Northwest Bank's HSA Features

• FREE Debit Card
  Use at the ATM, doctor's office, pharmacy, etc.
• FREE Checks (Set up as a checking account.)
  With unlimited checkwriting.
• FREE Internet Banking/Online BillPayer Plus
  • Check your account balance.
  • Transfer funds between your accounts.
  • Schedule and pay bills electronically.
• Teletouch: 1.877.262.0660
  Account information over the telephone.
• Portability
  Wherever you go, the account follows.
• Tax Savings
  Eligible contributions made to the account are tax deductible.
• Interest Earned (Minimum to open: $10.00)
  Tiered rate structure. Earn a higher rate as your balance grows.
• Long-Term Savings
  Your money doesn't expire after a length of time, which allows your account to grow year after year. Our HSA is a great way to save towards retirement.
• No Monthly Maintenance Fee
• Rollovers

Did You Know?

Health care is the number one issue facing many individuals and families in the United States.

A Health Savings Account from Northwest Bank offers eligible individuals who participate in a High Deductible Health Plan an affordable alternative to the rising costs of health care.

Others can contribute within your HSA.

It's true. By meeting the eligibility requirements to successfully open your HSA, several contributors can become involved. Contributors within your HSA account can be you, members of your family, your employer, and many others.

Our HSA has full electronic access, like any other personal checking account.

Features of our HSA include a free debit card to use at the ATM, doctor's office, pharmacy, and anywhere else. Our free Internet banking allows you to check the balance of your HSA, transfer funds from your personal checking, and pay bills electronically with our BillPayer Plus. Other electronic access includes Teletouch inquiries and transfers from your telephone by calling 1.877.262.0660.

¹Not limited to these medical expenses.
²Based on Tax Year 2010 IRS Limits.

Product availability may vary by Northwest Bank location.