Health Savings Accounts Accessing Your Funds We offer three convenient ways for you to access your HSA funds to pay for eligible healthcare expenses for you, your spouse and your dependents, regardless of their health plan. Benefits Debit Card Use your Benefits Debit Card to pay for eligible medical expenses; the amount is deducted directly from your account. Online Distribution Request funds online and receive a check or direct deposit into your personal checking or savings account. Online Bill Pay Request funds online to pay your provider directly from your HSA account. Contributing to Your HSA Eligible Expenses The IRS sets an annual maximum contribution amount. Individuals 55 and over may contribute an extra $1,000 for catch up contributions. Year Self-Only Coverage Family Coverage 2024 $4,150 $8,300 2025 $4,300 $8,550 The Internal Revenue Service (IRS) determines which expenses are eligible for reimbursement. The following are examples of common types of eligible and ineligible expenses. For a searchable list, visit americanfidelity.com/eligible-expenses. Examples of Eligible Expenses • Over-the-counter medications • Copays, co-insurance amd Deductibles • Physical exams • Dental treatment (including orthodontia) • Vision expenses (including prescription glasses, contacts and laser eye surgery) • Chiropractor care and physical therapy • Vaccines, including flu shots • Prenatal care and menstrual products Examples of Ineligible Expenses • Late fees on medical bills • Cosmetics • Dependent care expenses • Toothbrushes or toothpaste • Vitamins for general well-being • Cosmetic procedures (including face lifts or teeth whitening and bleaching) Ready to shop? Visit HSAstore.com to search more than 2,500 HSA-eligible items.