A Health Savings Account (HSA), paired with an HSA-qualified High Deductible Health Plan (HDHP), can help you lower your monthly premiums while setting aside money for current and future healthcare expenses.
CalCPA Health offers a variety of HSA-qualified health plans designed to give members more flexibility in how they manage and pay for healthcare.
Why Choose an HSA?
- Lower monthly premiums compared with many traditional health plans
- Tax-advantaged contributions
- Tax-free withdrawals for qualified medical expenses
- Funds roll over from year to year with no “use it or lose it” rule
- Your HSA stays with you if you change jobs or health plans
- Unused funds can be saved or invested for future healthcare expenses
- HSA funds can be used for qualified medical, dental, vision and prescription expenses
With an HSA, it is key to take advantage of tax savings and build your dollars for the future. You can maximize your contributions as the IRS allows:
| Year | Single | Family |
|---|---|---|
| 2027 | $4,500 | $9,000 |
| 2026 | $4,400 | $8,750 |
| 2025 | $4,300 | $8,550 |
| Note | Additional catch-up contributions of $1,000 are available for eligible individuals age 55 and older |
How CalCPA Health HSA Plans Work
CalCPA Health offers HSA-qualified High Deductible Health Plans with integrated banking and claims administration available through HealthEquity. You may also choose to establish your HSA through another qualified bank or financial institution.
You decide how much to contribute, up to annual IRS limits, and can use your HSA funds for qualified healthcare expenses now or save them for the future.
Because the account belongs to you, unused funds remain in your HSA year after year and can become an important part of your long-term healthcare and retirement planning.
Who is Eligible for an HSA?
- Be enrolled in an HSA-qualified High Deductible Health Plan
- Have no disqualifying additional health coverage
- Not be enrolled in Medicare
- Not be claimed as a dependent on another person’s tax return
See Your HSA Plan Options
CalCPA Health offers a broad range of health plan options, including HSA-qualified plans that combine lower premiums with the flexibility of a Health Savings Account. See which plans are available to your firm, compare your options and get a quote.
HSA contributions and qualified distributions receive favorable federal tax treatment. California and New Jersey do not conform to federal HSA tax treatment. Tax laws and individual circumstances vary. Please consult a qualified tax professional regarding your specific situation and review IRS guidelines for HSA eligibility and qualified medical expenses.