Health Savings Account (HSA)

Because you’re family, we want you to stay happy and healthy—now and in the future. When you participate in the UnitedHealthcare $1,600 or $2,500 plan, you will have the opportunity to enroll in a personal savings account for your healthcare, called a Health Savings Account (HSA). Both you and Ancestry set aside tax-free money, which you can then use to pay for medical, dental, and vision expenses. It’s a great way to save money while tending to your well-being.

Ancestry’s HSA Contribution

Here’s a breakdown of the annual / monthly contribution:*

UHC HSA $1,600 Plan
UHC HSA $2,500 Plan
Employee Only
$800 / $66.67
$1,250 / $104.16
Employee + Spouse/Partner
$1,600 / $133.33
$2,500 / $208.33
Employee + Child(ren)
$1,600 / $133.33
$2,500 / $208.33
$1,600 / $133.33
$2,500 / $208.33

* Employer contributions to your HSA are deposited each pay period.

For 2024, you can contribute up to the annual IRS limit of $4,150 for individuals or $8,300 for family coverage (this amount includes Ancestry’s contribution). If you are 55 and over, you can contribute up to the annual IRS limit of $5,150 for individuals or $9,300 for family coverage (this amount includes Ancestry’s contribution).

To be eligible for an HSA, you must be enrolled in a High Deductible Health Plan (HDHP), and you may not:

  • Have a Health Care FSA (including your spouse’s or domestic partner’s FSA)
  • Be claimed as a tax dependent
  • Be enrolled in Medicare, Medicaid, or TRICARE
  • Be enrolled in any other medical plan that’s not a High Deductible Health Plan (HDHP)

How the HSA Works

  • First-time users should register at After registering at, you’ll be able to access your HSA through
  • You can change your contribution amount or stop contributing at any time.
  • It’s like a bank account, that you manage, to pay for your healthcare expenses.
  • You can use your HSA debit card to pay for eligible expenses or reimburse yourself for payments you’ve made (only money you’ve already contributed can be spent).
  • Any unused money can be carried over each year and invested for the future—you can even take it with you if you leave your job or retire.
  • You still have the option to contribute to a Limited Purpose Flexible Spending Account (LPFSA) for additional tax savings. Please note that LPFSA funds can only be used for dental and vision expenses.
  • You will receive an email from Optum Bank that will ask you to confirm your identity or address before you can utilize the account. If you don’t confirm your identity or address in a timely manner, funds may be forfeited and/or any Ancestry contributions may be delayed.

Watch the videos below to understand more about the Health Savings Account (HSA) to determine if one of the HDHP medical plan options may be right for you.
How HDHP with HSA works
HDHP vs Traditional PPO
Comparing HSA and FSA

Maximize Your Savings by Investing

Any money in your HSA that you don’t spend stays in your account to help you save for long-term healthcare expenses and financial goals. Once your HSA balance reaches $2,000, you may choose to invest a portion of your balance. Just remember to maintain a balance to pay any current healthcare expenses!

You have three options for investing your HSA:

Scroll through Optum’s list of FAQs to find answers to common questions about investing your Optum Bank HSA.


Optum Bank

Plan/Group Number: 743256
Phone: 1-800-791-9361
First-time users: Register at After registering, you can then access your HSA through either or your account.

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