HSA Member Guide - 2025

Sep 19, 2026

Upload by Mali

HSA member guidance explains how a tax-advantaged health savings account grows tax free, rolls over year to year, and can be used for qualified medical expenses. It describes accessing the account via My Health Plan, what members can manage online, and using the AccountLink mobile app for balances and bill pay. The guide covers electronic statement delivery, selecting an HSA beneficiary, funding options (self, employer, rollover, sole proprietor, transfers), and strategies for maximizing contributions with 2025 contribution limits and IRS excess rules.

LanguageEnglish

CategoryForms

FormatPDF

Pages4

Reading Time2 min

AccessFree to download

Access Your Account

AccountLink Mobile App

Choose How to Receive Your Statements

Select a Beneficiary for Your HSA

Funding Your Account

Maximizing Your Contributions

HSA Contribution Limits (2025)

Your HSA lets you save, invest and spend money for qualified medical expenses on a taxadvantaged basis.* Your money grows tax-free, and unused HSA dollars roll over from year to year. Review this information to learn more about your HSA and how to get the most from your account. Access Your Account Managing your HSA is easy through My Health Plan, our secure member website. My Health Plan gives you access to both your Medical Mutual health plan and HSA benefits from one location , with one password. To access your HSA: [1. Visit](1. Visit MedMutual.com/Member)[ ](1. Visit MedMutual.com/Member)[MedMutual.com/Member](1. Visit MedMutual.com/Member). 2. Log in or register for My Health Plan. 3. Choose My Spending Accounts under the Claims & Balances tab or click on the My Spending Accounts icon under Quick Links. 4. Accept the Terms and click Agree and Go. Once you’re signed in, you’ll be able to: ▪ View account and investment balances ▪ Access current and historical activity and balances ▪ Monitor contribution limits ▪ Use the HSA bill pay option to pay yourself or a provider ▪ Establish account alerts ▪ Report and re-issue lost or stolen debit cards ▪ View account owner information ▪ Set up electronic transfers ▪ Review investment options AccountLink Mobile App Access your Medical Mutual HSA on the go with Medical Mutual’s AccountLink mobile app. Manage your HSA, view your account balance , pay an expense through the HSA bill pay feature , and more from your mobile device. Download the free AccountLink app by searching “AccountLink” in the App Store® or Google Play ™ . You will need your Medical Mutual Employer ID and Employee ID to create your mobile app account. To find this information, log in to My Health Plan. A message promoting the AccountLink app will show your specific Employer ID and Employee ID. * Not all qualified medical expenses may be covered under your high-deductible health plan (HDHP) . Please refer to your Summary Plan Description for health plan details. ®2023 Apple Inc. The App Store is a registered trademark of Apple Inc. ™2023 Google Inc. Google Play is a trademark of Google LLC. Choose How to Receive Your Statements Your account is automatically set up for you to receive electronic statements. Electronic statements are free , secure, convenient and environmentally friendly. You can elect to receive paper statements only or both paper and electronic statements. Please note that fees will apply for paper statements. Here’s how to change your statement selection: Log in to My Health Plan, and then: ▪ Click on the three-line menu icon at the top left of the page. ▪ Click on My Accounts and select Benefit Account Summary. ▪ Click on Statements in the Account Resources section under Medical Mutual HSA. ▪ Click Delivery Preferences to change your delivery method. ▪ Click Submit. Select a Beneficiary for Your HSA Protect your HSA funds by naming a beneficiary for your HSA account. Here’s how: ▪ Click on the three-line menu icon at the top left of the page. ▪ Click on My Accounts and select Benefit Account Summary. ▪ Click on View Beneficiaries in the Account Resources section under Medical Mutual HSA. Funding Your Account The first step to using your HSA is to add funds to your account. You or your employer may make contributions. Regardless of your employment status, you have options on how to fund your account. ▪ Self-contributions: Contribute directly from a personal checking or savings account. Your contributions can betaken as a tax deduction on your federal 1040 tax form, or you can mail a contribution to WealthCare Saver. Review our Funding Guide for After-Tax Contributions to learn more about making direct contributions from your personal checking or savings account. You can also download, complete and mail an HSA Contribution Form. ▪ Employer contributions: Employer contributions are not taxable to the employee, nor are the

FAQs

How can I access and manage my HSA account?

Log in or register for My Health Plan, then choose My Spending Accounts or the My Spending Accounts icon. Once signed in, you can view balances, activity, contribution limits, and other account actions.

What do I need to set up the AccountLink mobile app account?

You need your Medical Mutual Employer ID and Employee ID. Log in to My Health Plan to view those IDs in the AccountLink promotion message.

What are the 2025 HSA contribution limits and what happens with excess contributions?

For 2025, single contributions are $4,300, family contributions are $8,550, and catch-up contributions are $1,000. Excess contributions above IRS limits are not deductible, and excess employer contributions are not included in gross income unless required reporting applies on Form W-2.

Sep 19, 2026

Upload by Mali