US Medical Term · financial
Health Savings Account
Cuenta de Ahorros para la Salud
In 9 languages
| Language | Term |
|---|---|
| English | Health Savings Account |
| Spanish (Español) | Cuenta de Ahorros para la Salud |
| Chinese (中文) | 健康储蓄账户 |
| Korean (한국어) | 건강 저축 계좌 |
| Vietnamese (Tiếng Việt) | Tài khoản tiết kiệm sức khỏe |
| Filipino (Tagalog) | Health Savings Account |
| Portuguese (Português) | Conta poupança de saúde |
| Thai (ภาษาไทย) | บัญชีออมทรัพย์สุขภาพ |
| Japanese (日本語) | 健康貯蓄口座 |
What it means
A Health Savings Account (HSA) is a tax-advantaged bank account available to people enrolled in a qualifying High-Deductible Health Plan (HDHP). You, your employer, or both can contribute pre-tax dollars up to the IRS annual limit. Funds pay for qualified medical expenses—doctor visits, prescriptions, dental, vision—without federal income tax. Unlike a Flexible Spending Account, unused HSA money rolls over indefinitely and can earn interest or investment returns. After age 65, you can withdraw HSA funds for any reason without penalty, though non-medical withdrawals are taxed like traditional retirement account distributions. An HSA is one of the only triple-tax-advantaged accounts under federal law.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
HSA—health savings account
cuenta de ahorros para la salud
tax-free medical savings account
cuenta de ahorros médicos libre de impuestos
HSA bank account for medical expenses
cuenta bancaria HSA para gastos médicos
Where you'll see it
Related terms
Sources
Last reviewed: September 2026