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Health Savings Accounts.

Pay for health care costs the smart way.

If you are enrolled in a qualified high-deductible health plan, a Community Trust Bank Health Savings Account (HSA) is a great way to manage your health care costs. It lets you make tax-exempt contributions that you can use to pay for your deductible and other medical expenses.

HSAs allow individuals to save for future health expenses on a tax-preferred basis. Anyone covered by a High Deductible Health Plan who has no other first dollar coverage may establish a HSA.

Health Savings accounts are portable. You can keep your HSA even if you change jobs, change medical coverage, become unemployed, move to another state, or change your marital status.

Community Trust offers HSAs as an interest-bearing checking account with the following advantages:

  • No service charge
  • Free debit card to access funds
  • Competitive interest rates
  • Tax Advantages of HSAs*
  • Contributions to HSAs are tax deductible. Contributions made by employers are not taxed to either the employer or the employee and can also be made on a pre-tax basis through payroll deduction.

Learn more about HSAs by visiting

*Consult your tax advisor.