As Health Savings Accounts (HSAs) have gained in popularity, carriers have created more plans to fit the IRS requirements for these products. HSAs are designed to help individuals save for qualified medical expenses on a tax free basis. Funds in HSAs can be rolled over from year to year until the individual reaches the age of 65. Funds in HSA accounts can be used to pay for current or future medical expenses including premiums. HSA contributions can be made by an individual, an employer or both. Visit the following websites for detailed HSA information:   Sterling HSA HSA Insider U.S. Department of the Treasury NAHU Following is a check list of forms to complete, sign, date and submit to establish an HSA: Sterling HSA is a strategic partner with Warner Pacific for health savings accounts. The professionals at Sterling are experts in the health benefits industry whose primary focus is putting employers and consumers in control of their health care spending. Sterling can provide administrative functions for any HSA compatible plan for any carrier. Employer Group Application Employer List Bill (if appropriate) Individual Sterling HSA Enrollment Form Beneficiary Designation Form Deposit check made payable to Sterling HSA Submit the completed enrollment material to: Sterling HSA 475 14th Street, Suite 120, Oakland, CA. 94612. Phone: (800) 617-4729 Aetna HealthFund Health Savings Account Aetna HealthFund Health Savings Account (HSA) Enrollment Form Aetna HealthFund Health Savings Account (HSA) Beneficiary Designation Form Aetna HealthFund Health Savings Account (HSA) Electronic Funds Transfer Authorization (EFT) forms (if you wish to have your contributions transferred into your HSA directly from your checking account) Please do not submit an HSA contribution at this time. You will receive deposit slips in your HSA Welcome Kit Submit the completed enrollment material to: Aetna Attention: HSA Enrollment 151 Farmington Ave. Hartford, CT. 06156-8961 Phone: (877) 249-2472 JPMorgan Chase Health Savings Account (Blue Cross) Employer Group HSA Initiation Form Employee 2005 Group Participant HSA Enrollment Package Please do not submit an HSA contribution at this time. You will receive deposit slips in your HSA Welcome Kit Submit the completed enrollment material to: Blue Cross Attention: HSA Enrollment 2000 Corporate Center Drive, Newbury Park, CA. 91320 Phone: (800) 627-8797 Mellon Financial HSA (PacifiCare) Employer Discovery Document Employee – Master Signature Card. Provided to a member by Mellon Bank once PacifiCare has transmitted the HDHP enrollment confirmation to Mellon Bank. This is the card a member should complete only if they wish to enroll. Each HDHP member will receive one automatically. Submit the completed enrollment material to: PacifiCare 5701 Katella Avenue, Mail stop: CY24-212 Cypress, CA. 90630 Phone: (714) 226-7779 Health Savings Accounts are regulated by the Internal Revenue Service. Be sure to understand all of the tax advantages and penalties involved with HSAs by consulting an accountant, certified financial planner or other qualified professional.