A Health Savings Account (HSA) allows you to pay for qualified dental, medical, and vision expenses as well as save for future qualified expenses on a tax-free basis. An HSA is similar to an Individual Retirement Account (IRA) established for the benefit of you, owned by you, and is portable. If you change employers, the HSA stays with you.
 
Any unused money in your HSA at the end of the year rolls to the next year. You may also choose to invest your HSA money. Any interest or dividends generated by investments are added to your HSA account tax-free.