Benefits & Health
Health Savings Account
A tax-advantaged way to prepare for qualified medical expenses.
Build a dedicated health fund that grows over time. Use contributions to pay eligible expenses today or keep them invested for later use.
Empire State Trust
Plan with confidence
Clear information, helpful tools, and support when you need it.
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Funds can be used for qualified health expenses
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Employer and personal contributions supported
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Earnings grow tax-advantaged (rules apply)
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Carryover balance year to year—no “use it or lose it”
Value for you and your team
An HSA can help individuals plan ahead for healthcare costs, while employers can offer a benefit that supports retention and financial wellbeing.
Account highlights
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Funds can be used for qualified health expenses
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Employer and personal contributions supported
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Earnings grow tax-advantaged (rules apply)
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Carryover balance year to year—no “use it or lose it”
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Debit card access for eligible payments
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Optional online access for balances and activity
Ready to take the next step?
Open your account online or contact our team for guidance.