Health Savings Accounts (HSAs) for Individuals

HSAs – helping you manage healthcare costs for today and in the future

A health savings account (HSA), paired with a qualified high deductible health plan (HDHP), is a smart tool that can help you prepare for your future healthcare expenses and manage your day-to-day medical costs. Some people use their HSAs to pay healthcare bills as they come in, while others prefer to save for future needs. Because funds in your HSA never expire, you have an opportunity to build your balance over time.

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Benefits and features of an HSA

Using your HSA goes beyond paying for bills. An HSA is a great place to build up savings for expenses you have today or will have in the future.

How to use your HSA

It's easy to use your Health Savings Account (HSA). With UMB, you have a variety of tools to access your funds including your HSA debit card, online bill pay and online reimbursement.


Investing in your HSA²

Your UMB Health Savings Account (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.

HSA resources and education

Get 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











See full table of contribution limits, minimum deductible and maximum out-of-pocket expenses.

HSA Eligible Expenses

View the list of qualified HSA Expenses.

Contact us

Service Center hours:
Monday through Friday, 7 a.m. to 7:30 p.m. CT
Saturday, 8 a.m. to 5 p.m. CT

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1 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.

Investments in securities through UMB HSA Saver are:
Not FDIC Insured • May Lose Value • No Bank Guarantee

2UMB 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.


HSA deposit products offered by UMB Bank, n.a. Member FDIC.