A Smarter Way to Save on Healthcare Costs
April 2, 2026
Did you know that opening a Health Savings Account (HSA) can help you save money on both healthcare and taxes?
For a limited time, you can also earn a $250* bonus—plus 2.67 APY*—when you open a new HSA Advantage account from First Bank and Trust Company.
What Is a Health Savings Account (HSA)?
If you have a high-deductible health plan, you already know how quickly out-of-pocket costs can add up. An HSA Advantage account from First Bank and Trust Company helps you take control of those expenses by setting aside pre-tax dollars for qualified medical costs.
You can use your HSA funds for a wide range of expenses, including:
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Doctor visit co-pays
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Prescription medications
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Dental and vision care
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Certain wellness and preventive expenses
(Always consult an official IRS-qualified expense list or a tax advisor for eligibility details.)
How an HSA Helps You Save
An HSA isn’t just a spending account—it’s a powerful savings tool.
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Tax-deductible contributions: Money you contribute reduces your taxable income
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Tax-free growth: Interest and earnings are not taxed
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Tax-free withdrawals: When used for qualified medical expenses
2025 & 2026 Contribution Limits
To help you plan ahead:
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2025 Limits
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Individual: $4,400
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Family: $8,750
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2026 Limits (updated)
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Individual: $4,500
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Family: $9,000
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(Limits are set annually by the IRS and may change.)
The Benefits of a First Bank and Trust Company HSA
Your Account Stays With You—No Matter Where Life Takes You
Unlike employer-sponsored accounts that may feel tied to your job, your HSA is individually owned. That means:
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You keep your account if you change jobs
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You continue using it into retirement
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Your funds remain securely in one place
This portability gives you long-term control and peace of mind.
Triple Tax Advantage
An HSA offers a rare “triple tax benefit”:
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Contributions are tax-deductible
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Earnings grow tax-free
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Withdrawals for qualified expenses are tax-free
(Consult your tax advisor for details specific to your situation.)
Funds That Grow With You
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Unused funds roll over year after year
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Build a dedicated reserve for future healthcare needs
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Save for both expected and unexpected expenses
Simple, Flexible Access
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No monthly service fees
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Easy access to funds for qualified expenses
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No “use-it-or-lose-it” rules
Why Choose First Bank and Trust Company?
While many insurance providers offer HSAs, choosing a trusted financial institution gives you added flexibility and value.
With a First Bank and Trust Company HSA Advantage account, you get:
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A $250 bonus* for a limited time
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Competitive APY* to help your savings grow faster
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Exceptional customer service from a local, trusted team
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Long-term account stability—independent of your employer or insurance provider
This combination of incentives, service, and financial strength makes it easier to maximize the full benefits of your HSA.
The Bottom Line
With healthcare costs continuing to rise, an HSA is one of the most effective tools available to manage expenses while building tax-advantaged savings.
Whether you're planning for current medical needs or preparing for the future, an HSA Advantage account from First Bank and Trust Company can help you take control of your healthcare finances—while earning more along the way.