Ready to start saving on healthcare expenses? Learn how to open an HSA account and begin your journey to tax-advantaged health savings with MetLife HealthSavingAndSpending.
How to Open an HSA Account
Opening an HSA account is a straightforward process. You can open an HSA through your employer's benefits program or directly with MetLife.
Option 1: Through Your Employer
If your employer offers a High Deductible Health Plan (HDHP), they likely offer HSA enrollment:
- Contact your HR or Benefits department
- Ask about HSA eligibility and enrollment periods
- Complete enrollment during open enrollment or life event
- Set up your contributions through payroll deduction
- Your HSA account will be created by MetLife
Option 2: Open an Individual HSA Account
If you're self-employed or your employer doesn't offer HSA, you can open an individual account:
- Visit the MetLife HealthSavingAndSpending website
- Click "Get Started" or "Open New Account"
- Complete the enrollment application
- Provide required identification and documentation
- Verify your HDHP coverage
- Set initial account preferences
- Verify your email and activate your account
Requirements to Open an HSA Account
Before you can open an HSA account, ensure you meet these requirements:
- HDHP Enrollment: Must be covered by a qualified High Deductible Health Plan
- No Other Coverage: Cannot have comprehensive health insurance coverage outside HDHP
- Age: Must be at least 18 years old
- Citizenship: Must be a U.S. citizen or resident alien
- Social Security Number: Valid SSN required
- No Medicare: Cannot be enrolled in Medicare (with some exceptions for 2024 Bridge Program)
- No FSA: Cannot have an active medical Flexible Spending Account
Documents Needed to Open HSA Account
Have the following documents ready when opening your HSA account:
- Social Security Number (SSN)
- Proof of HDHP coverage (insurance card or documentation)
- Valid government-issued ID (driver's license or passport)
- Email address for account communication
- Bank account information for transfers (optional)
- Personal identifying information (name, address, phone)
Step-by-Step: Opening Your HSA Account Online
Step 1: Create Login Information
Visit the MetLife HealthSavingAndSpending portal and click "New User" to create your username and password.
Step 2: Provide Personal Information
Enter your full name, Social Security Number, date of birth, and contact information.
Step 3: Verify HDHP Eligibility
Confirm your High Deductible Health Plan coverage details, including plan name and effective date.
Step 4: Set Up Contributions
If through employer: Your contributions will be set during employer enrollment.
If individual account: Determine your annual contribution amount (up to 2026 limits: $4,150 individual / $8,300 family).
Step 5: Choose Account Features
Select whether you want a simple savings account or HSA with investment options. Set up debit card delivery preferences.
Step 6: Review and Submit
Review all information for accuracy. Read and accept the HSA account agreement. Submit your application.
Step 7: Verification and Activation
Check your email for verification link. Click to activate your account. Your HSA account is now ready to use.
First Steps After Opening Your HSA Account
Once you've successfully opened your HSA account, take these important steps:
- Complete Profile: Add beneficiary information and emergency contact
- Download Mobile App: Install the MetLife HSA mobile app for convenient access
- Order Debit Card: Request your HSA debit card for easy transactions
- Set Up Direct Deposit: Link your bank account for easy contributions (if individual account)
- Review HSA Eligible Expenses: Understand what expenses qualify
- Plan Your Contributions: Decide how much to contribute annually
- Enable Notifications: Set up alerts for account activity
- Explore Investment Options: Review available investment choices
Contribution Limits for Your New HSA Account
For 2026, understand these contribution limits for your new HSA account:
- Individual Coverage: Up to $4,150 per calendar year
- Family Coverage: Up to $8,300 per calendar year
- Catch-Up Contributions (age 55+): Additional $1,000 allowed
Contributions must be made by the tax filing deadline (April 15) of the following year.
Need Help Opening Your HSA Account?
If you have questions or need assistance opening your HSA account, contact MetLife Customer Service:
Phone: (833) 571-0500
Hours: Monday - Friday, 8 AM - 5 PM EST
Email: Support available through MetLife HealthSavingAndSpending portal
