insurance

HSA (Health Savings Account)

HSA（医療貯蓄口座） (HSA (iryō chochiku kōza))

A Health Savings Account (HSA) is a tax-advantaged savings account available to individuals enrolled in a qualifying HDHP. Contributions are pre-tax (or tax-deductible), earnings grow tax-free, and withdrawals for qualified medical expenses are also tax-free — a triple tax benefit. HSA funds roll over year to year and can be invested. After age 65, funds can be withdrawn for any purpose (taxed as income, like a traditional IRA). Annual contribution limits are set by the IRS.

HSA contributions can be made by both the employee and employer; unused balances accumulate indefinitely and can serve as retirement medical savings.

In 9 languages

Language	Term
English	HSA (Health Savings Account)
Japanese (日本語)	HSA（医療貯蓄口座）
Chinese (中文)	健康储蓄账户
Korean (한국어)	건강 저축 계좌
Portuguese	Conta Poupança de Saúde
Spanish	Cuenta de Ahorros para la Salud
Filipino	Health Savings Account
Thai	บัญชีออมทรัพย์สุขภาพ
Vietnamese	Tài khoản tiết kiệm y tế
Romanization	HSA (iryō chochiku kōza)

Related terms

• Deductible 免責額
• HDHP (High-Deductible Health Plan) 高額免責プラン
• FSA (Flexible Spending Account) FSA（フレキシブル支出口座）
• HSA-Eligible Expense HSA対象経費

Learn more in the guide:

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