

Business Health Savings Accounts
Connect Employees to Wellness
Attract (and retain) top-tier employees with the benefit of health savings.
Contact UsOffer More From Your HSA
Enjoy the safety, security, and service that makes Commerce Bank of Wyoming stand apart.
Expert Support Team
FREE HSA Debit Card
FREE Online and Mobile Banking
FREE Identity Theft Service
Low Setup Fee and Service Charge
Low Opening Deposit

Why Provide an HSA?
When looking at your next fiscal year, consider giving the gift of health savings! Enhance your employee benefits package so employees can enjoy:
Tax-free deposits*
Tax-free interest growth*
Tax-free withdrawals*
Low $14 setup and $3 monthly service fees
Low $100 opening deposit
HSA Contribution Limits
2024 | 2025 | ||
---|---|---|---|
Self-Only Coverage | $4,150 | $4,300 | |
Self-Only Coverage (if age 55 or older) | $5,150 | $5,300 | |
Family Coverage | $8,300 | $8,550 | |
Family Coverage (if age 55 or older) | $9,300 | $9,550 | |

How Employees Can Qualify for an HSA
Before your team can take advantage of HSA benefits, they need to meet a few simple requirements:
Covered by a high-deductible health plan (HDHP)
Not hold any other health coverage
Not be claimed as a dependent
Not be enrolled in Medicare
Frequently Asked Questions
An HSA is an account owned by an individual to pay for future qualified medical expenses. If you have a high-deductible health insurance plan, you could qualify for an HSA.
HSAs are similar to Traditional IRAs, except the money is used to pay for qualified healthcare costs. Contributions can be tax-deductible, and distributions are tax-free when used for qualified medical expenses. Interest earned is tax-deferred and unused balances roll over from year to year.*
Anyone with a high-deductible health insurance plan is eligible for an HSA provided they are not covered by another health insurance plan, entitled to Medicare, or can’t be claimed as a dependent on someone else’s tax return.
For 2025, the contribution limit is $4,300 for single coverage or $8,550 for family coverage. If you are over age 55, you can make a $1,000 “catch-up” contribution as well.
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*Health Savings Accounts are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Consult a tax advisor with questions.