Health Savings Account (HSA)

  • Health Savings Account

    Administered by First Financial Administrators, Inc.

    What is a Health Savings Account (HSA)?

    HSAs were created to help control healthcare costs. They provide a savings vehicle that allows you to set aside money to pay for higher deductibles associated with lower monthly premium High Deductible Health Plans (HDHP). The money you save in monthly insurance premiums may be set aside for eligible medical expenses you incur in the future.

    How it works:

    You choose the payroll deduction contributions up to the maximum allowed by the IRS. Your HSA balance rolls over from year-to-year earning interest along the way. The account is portable. Upon retirement or separation of service, you take the HSA with you because it’s your money and your account. When you want to access the funds, use your benefits card to pay your provider directly or simply request reimbursement or distribution on our online portal or mobile app. Be sure to keep receipts for all of your medical expenses, for which you received a reimbursement, for at least three years for tax-reporting purposes. See HSA flyer below for more details on who can participate.

    HSAs Offer a Triple Tax Advantage

    • The money you put in to the account is deducted from your paycheck before tax
    • The interest and earnings you make on the account grow tax free
    • Distributions for eligible medical expenses are tax free

    What are the key advantages of an HSA?

    • No end-of-year forfeiture of funds
    • Portable account
    • Provides an excellent savings vehicle for healthcare expenses
    • No monthly account fees.
    • Free eStatements when you opt in for electronic delivery 
Minimum Health Insurance Plan Deductible Amounts for the Qualifying HDHP
Annual Maximum Contribution Levels
Maximums for HDHP Out-of-Pocket Expenses


HSA Resources

  • Benefits Card

    The Benefits Card is available to all employees that participate in a Health Savings Account (HSA) and Limited Purpose Flexible Spending Account. The Benefits Card gives you immediate access to your money at the point of purchase. Cards are available for participating employees, their spouse, and eligible dependents that are at least 18 years old.

    Online & Mobile Access

    Get account information from our easy-to-use online portal and mobile application. See your account and investment balances in real time, request distributions, and save receipts by snapping a photo!

    Visit to set up your online account.

    Search for FF Flex Mobile App from your Apple or Android device to download the mobile app today!

    Your Employer ID Number is FFA987. This is needed to register your account on the FF Flex Mobile App.

    HSA Store –

    First Financial has partnered with the HSA Store to bring you an easy to use online store to better understand and manage your HSA. Shop at the HSA Store for eligible items from bandages to wheel chairs and thousands of products in between, browse or search for eligible products and services using the HSA Eligibility List, and visit the HSA Learning Center to help find answers to questions you may have about your HSA.

    Funds in your HSA Deposit Account are held at UMB Bank, n.a. Member FDIC. Funds in this account are insured by the FDIC to the maximum permitted by law.



Contact Information