Employer Benefit Resources
Employer’s Benefit Accounts Resource Library
HSA Accountholder Resources
- HSA Accountholder Brochure
Detailed 8 page guide to Health Savings Accounts. - Saving and Spending HSA Dollars
Guide to saving and spending with your HSA. - Quick Guide to HSAs
Brief one page overview of HSAs and how they work. - HSA Contribution Rules Married
Detailed HSA Contribution rules for this year and next year. - Top Questions About HSAs
Answers to the most commonly asked questions about HSAs. - HSA Qualified Medical Expenses
Guide to Qualified Medical Expenses. - HSA Income Tax Checklist
Summary of IRS forms needed to file Federal Income Tax Return. - Investing with HSA Saver Brochure
Invest your way, simply, from anywhere, with confidence. - HSA Saver List of Mutual Funds
Current list of fund options for your UMB HSA Saver® portfolio. - UMB HSA Saver® Enrollment Guide
Investing in your HSA enrollment guide. - HSA Online Banking and Education
How to set up and access your account online. - HSA Schedule of Fees
Descriptions and amounts for HSA fees - HSA Interest Rate Schedule
Current Health Savings Account Interest Rate Schedule. - HSAs and Medicare
Things to consider related to your HSA if enrolling in Medicare. - HSA eStatements Selection
How to change your UMB HSA account to eStatements. - HSA Beneficiary Designation FAQs
Frequently asked questions on beneficiary designation. - Receipt Vault
Organize and track your healthcare receipts online. - HSA Saver Video
Investing your way with confidence video. - HSA Online Banking Tour Video
UMB HSA Online Account Management video.
HSA resources translated into Spanish for your accountholders
- HSA Accountholder Brochure
Detailed 8 page guide to Health Savings Accounts. - Saving and Spending HSA Dollars
Guide to saving and spending with your HSA - HSA Qualified Medical Expenses
Overview list of HSA qualified medical expenses - HSA Saver Invest in Your Future Funds List
Current list of fund options for your UMB HSA Saver® portfolio - HSA Pricing Zero Cost
Health Savings Account Pricing - HSA Online Enrollment Guide
Step-by-step instructions for HSA Online Enrollment - HSA Schedule of Fees
Descriptions and amounts for HSA fees - HSA Interest Rate Schedule
Annual Percentage Yield for the five HSA balance ranges - HSA Trustee Transfer Form
Form to request the transfer of an HSA from another custodian to UMB
*To help your employees understand their Health Savings Account, we may provide Spanish language versions of some marketing and application/account documents. The Spanish language documents are for reference only and will not be the official documents which will govern their account. The official documents required to sign will be in English and the terms and conditions in these documents will be the ones which govern the account. In addition, communications they receive once the account is set up may be only in English. If your employees do not understand the English language documents or need assistance with understanding the terms and conditions of their account they should contact the service center at 866-520-4472, and press “0”.
Benefit Spending Accounts Resources
- Medical Flexible Spending Account
Why should choose a Medical Flexible Spending Account - FSA with Rollover Option
FSA w/Rollover Option, Limited Purpose Medical FSA, and Dependent Care FSA Accounts - Dependent Care FSA
Dependent Care Flexible Spending Account - Why Choose Limited Purpose FSA
Description of a Limited Purpose Flexible Spending Account - HRA Overview
Overview of Health Reimbursement Arrangement - Is Limited Purpose FSA Right for Family
Tax savings for participating in a Limited Purpose Flexible Spending Account - New Expenses Eligible for HSA and FSA
Five most common expense now eligible for an HSA and FSA funds without a prescription - What is an ICHRA
Individual Coverage Health Reimbursement Arrangements (ICHRAs) - Commuter Benefits Transit and Parking
Description of Commuter Benefits - Transit & Parking - Lifestyle Spending Account
Description of Lifestyle Spending Accounts - Flexible Spending Account
Information on why one should choose a FSA - IRS Limits Consumer
Listing IRS FSA Contribution Limits - Understanding Benefit Spending Accounts
Detailed presentation on FSA, LPFSA, DCFSA, & Commuter accounts - HSA and BSA Online Banking
HSA and BSA Online Banking and Education - Benefit Spending Accounts App
How to manage benefits anytime, anywhere, with UMB BSA app - IRS Substantiation Requirements
IRS rules governing Substantiation Requirements - Benefits Spending Account Consumer Portal Guide
Accountholders user's guide to their Benefits Spending Accounts
Additional HSA Employer Materials
HSA enrollment and contributions
UMB provides you with easy and flexible enrollment and contribution options to get your employees saving in their HSA.
HSAWorks Interactive Analytics Dashboard
Get answers to your tax questions about Health Savings Accounts.
Frequently Asked Questions
You have questions. We have the answers. Please use our FAQs below to find answers to the most commonly-asked questions on HSAs and HSA debit cards.
Calculators
Use our HSA calculators to determine how much to save and compare HDHP with traditional health plans
HSA Contribution Limits1
Are you 55 or older? If so, you could be making extra "catch-up" contributions
Year |
Single |
Family |
|---|---|---|
|
2025 |
$4,300 |
$8,550 |
|
2026 |
$4,400 |
$8,750 |
See full table of contribution limits, minimum deductible and maximum out-of-pocket expenses.
HSA Eligible Expenses
View the list of qualified HSA Expenses.
Investments³
Your HSA is much more than an account for medical expenses. The UMB HSA provides you with investment options to help you reach your financial goals.
Using your HSA
An HSA is a great place to build up savings for expenses you have today or will have in the future. Watch this informative video on how to use your HSA.
ReceiptVault
Employees can easily track and manage their healthcare receipts all in one place.
Contact us
Individual/Employee Service: 866.520.4472
Service Center hours: Monday through Friday, 7 a.m. to 7:30 p.m. CT and Saturday, 8 a.m. to 5 p.m. CT
Employer Group Service:
What is a Consumer-Directed Health Plan (CDHP)?
A Consumer-Directed Health Plan (CDHP) is typically used to describe health insurance plans with a Health Savings Account (HSA), Health Reimbursement Account (HRA), or Flexible Spending Account (FSA) component. The high-deductible plan covers preventive care for free and provides coverage for catastrophic illness and injuries after a deductible has been met. There is a built in safety net as these plans also include a maximum out-of-pocket amount per year. The HSA or HRA can be used to pay for expenses not covered by the high-deductible insurance plan. Depending on the type of reimbursement account (HSA, HRA or FSA), the funds may roll over from year to year, accumulate interest and have tax advantages.
Investments in securities through UMB HSA Saver are:
Not FDIC Insured • May Lose Value • No Bank Guarantee
1UMB Investment Management selects mutual funds in various asset classes for inclusion in the UMB HSA Saver® Investment Program. UMB Investment Management is a department of UMB Bank, n.a. UMB Bank, n.a. is a wholly owned subsidiary of UMB Financial Corporation.
UMB Custody Services provides safekeeping and settlement of the mutual fund investments in the UMB HSA Saver investment program. UMB Custody Services is a division of UMB Bank, n.a.
2Generally, data on mutual funds is provided by Morningstar, Inc. Although UMB believes the data gathered from these third party sources is reliable, it does not review such information and cannot warrant it to be accurate complete or timely. UMB is not responsible for any damages or losses arising from any use of this third-party information.
3All 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. States can choose to follow the federal tax-treatment guidelines for HSAs or establish their own; some states tax HSA contributions. Please check with each state’s tax laws to determine the tax treatment of HSA contributions, or consult your tax adviser.
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. States can choose to follow the federal tax-treatment guidelines for HSAs or establish their own; some states tax HSA contributions. Please check with each state’s tax laws to determine the tax treatment of HSA contributions, or consult your tax adviser.
Funds in an HSA Deposit Account are held at UMB Bank, n.a., Member FDIC.