Health Savings Accounts - A Trusted Leader in Consumer ...



Recent estimates from Fidelity Investments indicate that a couple retiring in 2010 at the age of 65 will need more than $250,000 to cover medical expenses throughout their retirement years. Your Health Savings Account (HSA) can be an invaluable tool for reaching your retirement goal. HSAs allow you to carry funds over from year to year and earn tax-free interest along the way. After age 65, you can use your HSA funds for qualified medical expenses on a tax-free basis, or withdraw the funds for any other reason and pay normal income tax. When used in this way, your HSA becomes a tax-favored retirement account.

Years |$25/mo. |$50/mo. |$100/mo. |$150/mo. |$200/mo. |$254.16/mo |$350/mo |$450/mo. |$512.50/mo | | | | | | | |(Individual limit 2010 & 2011) | | |(Family limit 2010 & 2011) | |1 |$304 |$608 |$1,217 |$1,825 |$2,433 |$3,092 |$4,258 |$5,475 |$6,235 | |2 |$618 |$1,235 |$2,470 |$3,705 |$4,941 |$6,278 |$8,646 |$11,116 |$12,660 | |3 |$941 |$1,881 |$3,762 |$5,643 |$7,524 |$9,562 |$13,167 |$16,929 |$19,281 | |4 |$1,273 |$2,547 |$5,093 |$7,640 |$10,186 |$12,945 |$17,826 |$22,919 |$26,102 | |5 |$1,616 |$3,232 |$6,465 |$9,697 |$12,929 |$16,431 |$22,626 |$29,091 |$33,131 | |10 |$3,494 |$6,987 |$13,974 |$20,961 |$27,948 |$35,517 |$48,909 |$62,884 |$71,617 | |15 |$5,674 |$11,349 |$22,697 |$34,046 |$45,395 |$57,687 |$79,440 |$102,138 |$116,324 | |20 |$8,208 |$16,415 |$32,830 |$49,245 |$65,660 |$83,441 |$114,906 |$147,736 |$168,255 | |25 |$11,150 |$22,300 |$44,601 |$66,901 |$89,202 |$113,357 |$156,103 |$200,704 |$228,579 | |30 |$14,568 |$29,137 |$58,274 |$87,411 |$116,547 |$148,108 |$203,958 |$262,232 |$298,653 | |35 |$18,539 |$37,078 |$74,156 |$111,235 |$148,313 |$188,476 |$259,547 |$333,704 |$380,051 | |40 |$23,151 |$46,303 |$92,606 |$138,909 |$185,212 |$235,367 |$324,121 |$416,727 |$474,605 | |

Note: * All figures are provided for illustration purposes. Actual account value and earnings may vary. For illustration purposes, the following assumptions were used, average annual percent yield over the life of the HSA = 3% and maximum contribution limits remained constant. Current interest rate and annual percentage yield information is available on our website or by calling (800)357-6246.

Calculate the estimated future value of your HSA at calculators/future_value.aspx.

HSA Bank’s Future Value calculator and Future Value Chart are intended for illustrative purposes. Actual returns or account value may vary.

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Account Growth: Future Potential

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