Health savings account (HSA)

Make the most of your money with a Kaiser Permanente health savings account (HSA) sign up today.

If you have a Kaiser Permanente HSA-qualified high deductible health plan, you may be able to open an HSA. With an HSA, you can take advantage of tax-free1 contributions, earnings, interest, and withdrawals to pay for qualified medical expenses2 including:

  • Prescriptions
  • Primary and specialty care visits
  • Doctor and hospital visits• X-rays and lab tests
  • Physical, occupational, and speech therapy
  • Ambulance and emergency services
  • Vision and dental care
Great reasons to open an HSA administered through Kaiser Permanente3
kaiser payment card

Money that stays with you: The balance in your account carries over from year to year, even if you change jobs or retire.

Health payment card: You get a convenient debit card to save you time and paperwork when paying for your care.

Online access, 24/7: Check your account balance, make contributions and payments, manage your investments, print statements, and more at

Mobile access: Download our secure KP Balance Tracker app on your smartphone or other mobile device to view and manage your account on the go.

Investment options: Once the average daily balance of your HSA reaches $2,000, you can invest the amount over $2,000 in a selection of mutual fund options.

No hidden costs:

    $3.25, waived any month in which your average daily balance is $2,000 or more

Health payment cards

No cost for the first 2 pairs, after which costs are:

$10 per pair with standard mailing

$35 per pair with expedited mailing

Replacement of lost or stolen HSA distribution checks

$1 per check

Annual investment fee

    0.25%, charged quarterly on average balance in investment accounts

Printed account statements

$1.25 each, by request

Experienced support: Our Health Payment Services team is ready to answer your questions at 1-877-761-3399, Monday through Friday, from 5 a.m. to 7 p.m. Pacific time (except holidays). Call 24/7 for automated help, or you can email

How do I open my HSA?

Applying for an account is easy. Use the link below and then select “Get Started.”

Frequently asked questions

You’ll need to meet the following IRS requirements for opening and contributing to an HSA:

  • You must be enrolled in an HSA-qualified high deductible health plan (HDHP).
  • You can’t be enrolled in Medicare.
  • You can’t be eligible to be claimed as a dependent on someone else’s tax returns.
  • You (or your spouse, if your spouse wants to open a separate HSA) can’t have additional coverage that isn’t an HSA-qualified HDHP. Exceptions to this requirement can be found in IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans.

You may want to consult with a financial advisor for more information about HSA eligibility.

For 2020, the maximum contribution limits set by the IRS are:

  • Individuals: $3,550
  • Families: $7,100

When you reach age 55, you can contribute an additional $1,000 each year until you’re enrolled in Medicare. See IRS Publication 969 for more information on contributions.

To help decide what HSA contributions are right for you, try these online tools:

No contribution is required when you sign up for your HSA online. But the sooner you contribute, the sooner you’ll be able to start using your HSA to pay for qualified medical services.
Your funds will be available in your HSA within 7 business days after each contribution is made.

If you’re enrolled in an HSA-qualified high deductible health plan and meet the other HSA eligibility rules for at least the entire month of December, you can contribute money to your account for that year.

To be eligible to contribute the full annual maximum amount for that year, you must remain HSA-eligible through the end of December of the following year. Otherwise, you’ll only be able to contribute a portion of the annual maximum amount, depending on how many months you were HSA-eligible.

You have a couple of options for making contributions to your HSA:

Online: You can contribute money online at Just click on the “Make HSA Transaction” button in the “I Want To…” section of the homepage to transfer money from your bank account.

By mail: To contribute by mail, complete a Contribution Form, write a check to Kaiser Permanente, and mail both to:
Kaiser Permanente
P.O. Box 1540
Fargo, ND 58107-1540

The Contribution Form can be found at Just click “Tools & Support” on the homepage.


Kaiser Permanente Health Payment Services is here to help. Call 1-877-761-3399 Monday through Friday, from 5 a.m. to 7 p.m. PT (except holidays).

1The tax references on this website relate to federal income tax only. Federal and state tax laws and regulations are subject to change. Consult with a qualified professional for tax, investment, or legal advice.

2A qualified medical expense is defined under Internal Revenue Code Section 213(d). For a list of qualified medical expenses, download IRS Publication 502, Medical and Dental Expenses, at As an HSA account holder, you’re responsible for figuring out whether an expense is a qualified medical expense.

3The HSAs administered through Kaiser Permanente are set up with Healthcare Bank, a Division of Bell State Bank & Trust, and are interest-bearing accounts.