Health Saving Account (HSA)

A Health Savings Account (HSA) combines high deductible health insurance with a tax-favored savings account. Money in the savings account can help pay the deductible. And money left in the savings account earns interest and is yours to keep.

For 2026, you can contribute up to $4,400 as a single and $8,750 if you enroll as a family. Additionally, if you are age 55 or older, you are eligible to make a catch-up contribution of $1,000.

You may elect to change your contribution amount at any time throughout the year!

To open an HSA, please contact your bank of choice!

For 2026, Lacher will continue to match your HSA contribution of up to $20 per pay.

HSAs are a great way to save money and efficiently pay for medical expenses because they are tax-advantaged savings accounts that accompany high deductible health plans, or HDHPs.

HSA money can be used tax-free when paying for qualified medical expenses. At the end of the year, you keep any unspent money in your HSA. This rolled over money can grow tax-free. Your HSA and the money in it belongs to you—not your employer or insurance company. Learn more:

Health Saving Account (HSA)

How does the Health Savings Account (HSA) work?

What are Health Savings Account (HSA) eligible expenses?

How do I change my HSA contribution?

How do I submit for reimbursement?

How do I check my HSA balance?