There are many perks to having an HSA. Not only are they a great way to pay for medical expenses and save on taxes, but you can also invest your HSA funds to create a powerful future financial asset. 

If you consistently contribute to your HSA, you may think you’re all set. Truth is, investing your HSA can exponentially grow your health savings to use for any future medical expenses, especially in retirement. Remember, just like contributions and payments for qualified medical expenses, your HSA growth and investment earnings are also tax-free.

The numbers vary, but the average American spends over $280,000 on out-of-pocket healthcare costs in retirement. Investing your HSA is just one way to create a more secure future and prepare for any large, unexpected medical costs along the way. And, remember, couples have a higher contribution max at a combined HSA contribution of $7,100.

Let’s say you just started building your HSA at age 40. You start with an investment of your current HSA balance of $3,000 and plan on retiring at 65. If you continue to contribute $3,000 towards your HSA each year without investing and only use about $1,000 on out-of-pocket expenses each year, you’d have a savings of about $60,000. Now let’s take the same scenario but say you decided to invest your original balance of $3,000 at 7%. You’d then have about $172,600 in savings! 

As you can see, investing your HSA can have big payoffs in the future. Imagine if you started early, by age 25 instead, for example, you could save upwards of $500,000 But, even if you started a little later, it’s never too late to start saving for retirement. Individuals over the age of 55 can also contribute an extra $1,000 as a “catch-up contribution.”

The MotivHealth HSA Investments platform allows for easy access to investments through your Member Portal. To qualify for investments, you must have at least $2,000 in your HSA.

Want to learn more about investing with us? Call us today! 844-234-4472

Steps Program Basics

Why Participate: So, you and your covered spouse can earn $1 for each day you walk 8,000 or more steps up to 20 days a month. All incentives earned this way are deposited into your HSA.

How to Participate: Create your MotivHealth member account. Sync an eligible device (Garmin, Fitbit, or Apple) and walk your way to $1 a day.

Who’s Eligible: You, the policy holder and a covered spouse.

Rx Program Basics

Why Participate: Spending $200 or more on prescriptions each month? We can help you eliminate or significantly lower your out-of-pocket costs.

How to Participate: Simply call one of our Prescription Benefit Analysts:
(385) 247-1030

Who’s Eligible: You, the policyholder and your covered dependents.

Prompt Pay Program Basics

Why Participate: Save between $250-$3,000 on out-of-pocket costs on planned medical procedures.

How to Participate: Simply call us before your scheduling your procedure, and we'll help you find a participating Prompt Pay facility / provider.

Who's Eligible: You, the policyholder and your covered dependents.

Price Transparency Tool Basics

Why Participate: Lower your out-of-pocket costs by empowering yourself to take charge of your healthcare.

How to Participate: Our Price Transparency Tool is accessed via your member portal. Simply create your account and click "Find Care."

Who's Eligible: You, the policyholder and your covered dependents with member accounts can access this tool.

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