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A health savings account is a tax-advantaged savings account you can use to pay for eligible medical expenses, including deductibles, co-insurance, prescriptions, vision expenses, dental care, and certain health-related purchases.
When combined with a high-deductible health plan, HSAs offer savings and tax advantages
that many traditional health plans can’t match.
HSA Savings
There are three key tax benefits to a Health Savings Account (HSA). Money goes into and comes out of an HSA tax-free (as long as funds are used to pay for qualified medical expenses).
* Federal tax savings are available regardless of your state. State tax savings may not be available in every state. Cogent Bank does not provide tax advice. Consult your tax professional for tax-related questions. For more information concerning state taxes, please consult with your State Department of Revenue.
Health Savings Accounts come with the same easy-to-use features as many of our other personal accounts, including:
Whether it’s a traditional IRA with tax-deferred earnings until withdrawal, or a Roth IRA which offers after-tax contributions with tax-free and penalty-free withdrawals on those contributions2, Cogent Bank is prepared to help you select the right account for your unique situation.
Save for retirement with tax advantages¹
¹Subject to some minimal conditions. Consult a tax advisor. 2If you take a distribution of Roth IRA earnings before you reach age 59 1/2 and before the account is five years old, the earnings may be subject to taxes and penalties unless you have a qualified distribution exemption (such as a qualified educational expense, disability, or first-time home purchase up to a $10,000 lifetime maximum), subject to limitations.
It’s never too early to open an IRA, a tax-efficient way to save for retirement.
Whether you’re just starting out in your career or nearing its end, our tax-advantaged savings accounts for health and retirement can reduce your tax burden while helping you prepare for your future—or the unexpected.
Our team of account specialists can help guide choose the right account for your needs. Contact or visit one of our Banking Centers to learn more about our HSA and IRA retirement account options today.
in Total
Capital
in PPP Loans to
2,188 Businesses
Banking Centers
Throughout Florida
