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Health Savings Accounts

Healthy financial plans include an HSA

A health savings account (HSA) is a smart tool that can help you prepare for your current and future qualified medical expenses.

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BENEFIT SPENDING ACCOUNTS

One Simple Solution

For HSAs, FSAs, HRAs, and Commuter accounts, you need a partner that’s stable, flexible, efficient, and driven to delight.

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Healthy financial plans include a health savings account (HSA)

Individuals

A UMB health savings account belongs to you for your lifetime. It's your spending account. It's your choice. It's your future.

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Financially Supporting Multiple Generations

Employers

You want the best partner. At UMB, we know what it takes. We'll take care of you and your employees. It's that simple.

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Partners

You need to demonstrate value to your clients. You want a partner that has your back. UMB is that partner.

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Partner with a leading HSA provider

  • women hsa

    Paying for medical needs with an HSA: Considerations for women

    Having enough extra funds on hand to manage health needs is a major worry for most Americans. A 2026 study from Peterson-KFF ‡, a health policy research organization, shows that nearly 32% of American households are “very worried” about medical...

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    Benefits of a health savings account in your financial plan

    On July 4, 2025, the One Big Beautiful Bill Act (OBBBA) ‡ was enacted, and there are certain aspects of the bill that provide newly eligible groups immediate access to the benefit HSAs can provide. Now is a great time...

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  • maximize health savings account stages of life

    How to maximize your health savings account at various stages of your life

    On July 4, 2025, the One Big Beautiful Bill Act (OBBBA) ‡ was enacted and there are certain aspects of the bill that affect HSAs. Discover how a few changes will impact business owners below. Now is a good time...

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    Everything you need to know about health savings accounts

    On July 4, 2025, the One Big Beautiful Bill Act (OBBBA)‡ was enacted and there are certain aspects of the bill that affect HSAs. Discover how a few changes will impact business owners below. Now is a good time to...

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  • health savings accounts HSA questions

    Five questions and answers about health savings accounts (HSAs)

    On July 4, 2025, the One Big Beautiful Bill Act (OBBBA) ‡ was enacted and there are certain aspects of the bill that affect HSAs. Discover how a few changes will impact business owners below. Now is a good time...

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What are the differences between an HSA, HRA, and FSA?

Understand the key differences between Health Reimbursement Accounts (HRAs), Health Savings Accounts (HSAs), and Flexible Spending Accounts (FSAs).

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Talk to a UMB Sales Representative

Regional UMB Sales Representatives are available for assistance with partner support, employer support, and HDHP/HSA education.

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About UMB Healthcare Services

UMB Healthcare Services, a division of UMB Bank, n.a., delivers healthcare payment solutions including custodial services for health savings accounts (HSAs) and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers and financial institutions.

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UMB by the numbers

As an established leader in the financial healthcare service industry, UMB brings a wealth of expertise to the full spectrum of benefit account administration.

  • 110 years of financial leadership

  • More than 5.8 million Healthcare cards in circulation

  • Nearly 1.5 million Health savings accounts totaling more than $3.75 billion in assets and deposits

CONTACT US

Please contact UMB Healthcare Services with any questions or comments.

Individuals: 866.520.4HSA (4472)

Employers: 855.664.4160

Partners: 888.677.1115

Customer service representatives are available:
Monday through Friday, 7 a.m. to 7:30 p.m. CT
Saturday, 8 a.m. to 5 p.m. CT
Automated account information is available 24-hours a day.

Mailing Address: UMB Bank, n.a., UMB Healthcare Services, P.O. Box 419226, Kansas City, MO 64141

Funds in an HSA Deposit Account are held at UMB Bank, n.a., Member FDIC.

Benefit spending accounts are NOT deposits or obligations of UMB Bank, N.A. and are NOT insured by the FDIC.

High-Deductible Health Plans constitute insurance products, which are not offered by UMB Bank, n.a. and are not FDIC-insured.

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