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A Bank of Kentucky Health Savings Account (HSA) is a special tax-advantaged checking account that allows you to pay for personal healthcare expenses when used in conjunction with a High Deductible Health Plan.  An HSA provides tax advantages by allowing you to pay for eligible medical expenses with pre-tax dollars.  HSA contributions, earnings and qualified distributions are all exempt from federal income tax, FICA tax and state income taxes (in most states).  Unused HSA dollars roll over from year to year, making HSA's a convenient and easy way to save and invest for future medical expenses.  You own your HSA at all times and can take it with you when you change medical plans, change jobs or retire.