Health Savings Account (HSA)

Montgomery County offers eligible employees a Health Savings Account (HSA) through Optum Bank. If you enroll in a Montgomery County medical plan, you will have access to a health savings account (HSA). The HSA helps you save pre-tax dollars for use on health expenses now or in the future.

Optum Financial Logo
Here's how the account works: 
  • Montgomery County will match your pre-tax HSA contributions made via payroll deduction dollar for dollar up to a total match of $1,000 annually. 50% of the County's match will be available to you up front, and the remaining 50 percent will be contributed across the pay periods in the plan year.
  • You can save your funds for the future or use your HSA to pay for out-of-pocket medical, prescription drug, dental and vision expenses for yourself and your eligible dependents. For a full list of qualified expenses, go to If you use HSA funds on ineligible expenses before age 65, taxes and a penalty will apply. Just as you would for any other tax expense, save your receipts in case you are audited by the IRS.
  • HSA funds roll-over year to year and are yours to keep even if you leave Montgomery County or change insurance plans. Once you maintain a balance of $2,000, you can invest increments of $100 in mutual funds for tax-free growth, like a 401(k) for your health care!

Incentives earned through Montgomery County's Wellness Program are also deposited into your HSA. Incentives, the County match and your contributions all count towards the IRS annual contribution limits. 

You can change your per-pay contribution amount at any time! Just reach out to our Benefits team at [email protected] to let us know your new election.  

2023 IRS Contribution Limits (includes employee and County contributions)
  • $3,850 employee only
  • $7,750 employee + spouse/children
  • $1,000 catch-up contribution for employees age 55 or older
HSA Contribution Example

HSA Resources

Have an HSA from another employer and want to transfer the funds to Optum?