Testing Period

The Testing Period states that if you use the Last Month Rule, you must remain an eligible individual (covered by HDHP) for the next 12 months. If you fail to remain an eligible individual (if you change insurance plans to non HSA-qualified plan, lose coverage or receive disqualifying coverage) during that time, any “excess” contributions you made as a result of using the Last Month Rule will be taxed and penalized.

Invest in your HSA with UMB HSA Saver

Now you can invest your HSA savings in UMB HSA Saver and take advantage of our easy-to-use investing platform.

HSAs build long-term wealth

HSAs are available to help pay for current qualified medical expenses as well as to save for future expenses, all in a tax-exempt account.

Watch how to use your HSA

Make the most of your HSA by watching this informational video.