HSA Accounts

Keep your health and your finances in sync.

Looking for trusted HSA accounts providers?

Your health is one of your greatest assets, and your finances should support it. As one of the most approachable HSA accounts providers, Luminate Bank makes it easy to save for medical expenses while enjoying valuable tax benefits.


A Health Savings Account (HSA) with Luminate Bank is flexible, tax-advantaged, and simple to manage; helping you stay prepared for life’s expected and unexpected healthcare costs.

Why choose an HSA with Luminate Bank?

Features designed for your health and peace of mind

  • No minimum balance to open
  • 0.01% APY* interest on every dollar
  • No monthly fee when you choose e-Statements
  • Tax-free contributions, growth, and qualified withdrawals
  • Flexible spending on a wide range of eligible medical expenses
  • Personalized guidance from a team that cares

Who can open a Health Savings Account?

Opening an HSA is easier than you might think. To be eligible, you need to:


  • Be enrolled in a qualified High Deductible Health Plan (HDHP)
  • Not be enrolled in Medicare
  • Not be claimed as a dependent on someone else’s tax return



Not sure if you qualify? Our team is happy to walk you through it and answer your questions. Whether you’re starting fresh or transferring from another account, we’re here to help you make the most of your HSA.

*Annual Percentage Yield for the Luminate Brighter Checking, 2.02% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 4/14/2025.

How can you use your HSA funds?

Your HSA is more than just a savings account; it’s a practical tool for everyday wellness. Use your HSA dollars to pay for a wide variety of eligible medical and health-related expenses, including:

A black heart icon on a white background.

Everyday Healthcare Needs

  • Doctor visits and hospital stays
  • Prescription medications
  • Mental health services and therapy
  • Dental care, vision exams, and glasses or contacts
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Alternative & Preventive Care

  • Chiropractic and acupuncture treatments
  • Over-the-counter medications and first-aid supplies
  • Medical equipment and assistive devices
  • Service animals and hearing aids

Ready to save smarter for your health?

If you’re looking for reliable HSA accounts providers, Luminate Bank is here to help you take control of your healthcare savings with confidence. Open your HSA today and enjoy a brighter, healthier financial future.

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