Open a Health Savings Account
Unlock more affordable health savings with Demo.Health. A Health Savings Account (HSA) is a tax-advantaged way to save, spend, and invest in healthcare expenses. Open an HSA and make a contribution, and we'll match the first $25.
Why a Demo.Health HSA?
Pay for healthcare
HSAs cover thousands of qualified medical expenses, including doctor visits and over-the-counter medications.
Get $25 on us
Open and contribute to your account and we'll match the first $25.
Use pre-tax dollars
Helps make health expenses easier to manage, so you can save for other things that matter.
Save for the future
An HSA offers ways to watch your money grow, to build a nest egg or use toward tomorrow's health needs.
How to open an HSA
Open in minutes. Start saving for life. Step 1: Sign up online — we'll collect some information to start your account and verify eligibility. Step 2: Connect your bank — we'll link your account through a secure financial platform. Step 3: You fund, we contribute — open your account today and we'll contribute $25 to get you started. You can open an HSA if you have a high-deductible health plan (HDHP) or an eligible ACA Bronze Plan, are not enrolled in Medicare, are at least 18 years old, and are not claimed as a dependent.
Health Savings Account FAQs
You're eligible if you're enrolled in a qualifying high-deductible health plan (HDHP) or eligible ACA Bronze plan, are not enrolled in Medicare, are not claimed as a dependent, and do not have other disqualifying health coverage.
Yes. Starting January 1, 2026, ACA Bronze Plans qualify as HSA-qualifying coverage.
For 2025, the IRS limits are $4,300 for individuals and $8,550 for families. If you're 55 or older, you can contribute an extra $1,000 each year.
Yes, any unused funds automatically roll over year to year with no expiration.
HSAs cover qualified medical expenses (QMEs), such as doctor visits, prescriptions, dental care, and vision care.
Most Demo.Health HSAs can be opened in 10 minutes and funded within a few business days.
Your HSA is yours to keep. It's not tied to your employer and remains fully portable.