HSA & Benefit Spending Accounts for Employers
Benefit Spending Accounts made easy. For you. For your employees.
With UMB at your side, you are partnering with an experienced administrator that is dedicated to helping you and your employees realize all the perks of UMB Benefit Spending Accounts.
- HSAs - FSAs - HRAs
- COBRA
- Lifestyle & Commuter Accounts
You are also taking an active step to better control your costs, while encouraging employees to be better healthcare consumers and giving them the tools to save.
Employer Solutions
Benefit Spending Accounts
With UMB, your employee HSA and benefit spending accounts program will be made easy, effective, and hassle-free.
HSA tax advantages
By implementing an HSA solution both you and your employees can benefit from significant tax savings.
HSA enrollment and contributions
UMB provides you with easy and flexible enrollment and contribution options to get your employees saving in their HSA.
HSA resources and education
Helpful information on your HSA, including how-to guides, presentations, investing info, forms, answers to your frequently asked questions, as well as access to a variety of helpful tools and calculators.
HSA Contribution Limits1
Are you 55 or older? If so, you could be making extra "catch-up" contributions
Year | Single | Family |
|---|---|---|
2024 | $4,150 | $8,300 |
2025 | $4,300 | $8,550 |
See full table of contribution limits, minimum deductible and maximum out-of-pocket expenses.
HSA Eligible Expenses
View the list of qualified HSA Expenses.
HSAWorks® reporting and analytics tools
UMB’s HSAWorks is a beneficial resource for planning, communicating, and implementing benefit strategies. HSAWorks provides direct access to a wealth of information without the need to contact UMB or a third party.
Smart tools for you
We provide you with an industry-leading, turnkey HSA that’s easy to implement and operate.
An effortless experience for your employees
Our suite of benefit accounts bundles UMB’s industry-leading experience and technology with flexible solutions and the ease of use that employers have come to expect.
Connect with UMB Healthcare Services sales representative today
About UMB Healthcare Services
Learn more about UMB Healthcare Services and how we deliver healthcare payment solutions including custodial services for health savings accounts (HSAs) and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers and financial institutions.
Brad Christensen CHSA®, FCS, HSAe
VP, Sr. Business Development Officer
Regions served: AK CA CO HI KS NV OR UT WA MO
Other Products and Services
All mention of taxes is made in reference to federal tax law. Neither UMB Bank n.a., nor its parent, subsidiaries, or affiliates are engaged in rendering tax or legal advice and this document is not intended as tax or legal advice.
Funds in an HSA Deposit Account are held at UMB Bank, n.a., Member FDIC.
Benefit spending accounts are NOT deposits or obligations of UMB Bank, N.A. and are NOT insured by the FDIC.
High-Deductible Health Plans constitute insurance products, which are not offered by UMB Bank, n.a. and are not FDIC-insured.