HSA Resources and Educational Information
You have a UMB Health Savings Account (HSA), but you have questions. Don't worry. UMB can help.
The education section is your one-stop resource. Within this section, you will find several helpful resources.

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

Mid-year HSA changes
It is important to understand the rules and regulations that come with having an HSA as there are limits to how much you can contribute to your HSA.
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.
View comparison chartHSA Contribution Limits1
Are you 55 or older? If so, you could be making extra "catch-up" contributions
Year |
Single |
Family |
---|---|---|
2023 |
$3,850 |
$7,750 |
2024 |
$4,150 |
$8,300 |
See full table of contribution limits, minimum deductible and maximum out-of-pocket expenses.

1All 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.