{"id":2248,"date":"2026-04-07T06:17:02","date_gmt":"2026-04-07T06:17:02","guid":{"rendered":"https:\/\/prosperaunion.com\/?page_id=2248"},"modified":"2026-04-07T07:21:19","modified_gmt":"2026-04-07T07:21:19","slug":"health-savings","status":"publish","type":"page","link":"https:\/\/prosperaunion.com\/?page_id=2248","title":{"rendered":"Health Savings"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2248\" class=\"elementor elementor-2248\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65ad2017 elementor-section-height-min-height elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-items-middle\" data-id=\"65ad2017\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:1512,&quot;url&quot;:&quot;https:\\\/\\\/prosperaunion.com\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/per.webp&quot;},{&quot;id&quot;:1572,&quot;url&quot;:&quot;https:\\\/\\\/prosperaunion.com\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/ultimate.webp&quot;},{&quot;id&quot;:1577,&quot;url&quot;:&quot;https:\\\/\\\/prosperaunion.com\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/ultimate-1.webp&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-68059621\" data-id=\"68059621\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5feadd52 elementor-invisible\" data-id=\"5feadd52\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInDown&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6668431f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6668431f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5f1055af\" data-id=\"5f1055af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-318a8ab3 elementor-widget elementor-widget-heading\" data-id=\"318a8ab3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">About Us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4070a8cc elementor-widget elementor-widget-text-editor\" data-id=\"4070a8cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><br \/>Prospera\u00a0 began in\u00a0 as member-owned cooperatives designed to provide fair, affordable financial services to ordinary people excluded by traditional banks. Built on the &#8220;people helping people&#8221; philosophy, they emerged as not-for-profit alternatives focused on returning profits to members through better rates and lower fees.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7787210f elementor-section-full_width elementor-section-height-min-height elementor-section-content-top elementor-section-height-default elementor-section-items-middle\" data-id=\"7787210f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-424f454f\" data-id=\"424f454f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1cb2deb1 elementor-widget elementor-widget-image\" data-id=\"1cb2deb1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/prosperaunion.com\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health-300x200.jpg\" class=\"elementor-animation-grow attachment-medium size-medium wp-image-2343\" alt=\"\" srcset=\"https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health-300x200.jpg 300w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health-1024x683.jpg 1024w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health-768x512.jpg 768w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health-1536x1024.jpg 1536w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health-2048x1365.jpg 2048w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health-1000x667.jpg 1000w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health-230x153.jpg 230w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health-350x233.jpg 350w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health-480x320.jpg 480w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-48905b57\" data-id=\"48905b57\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-224eec46 elementor-widget elementor-widget-text-editor\" data-id=\"224eec46\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li class=\"TrT0Xe\">HSAs Pay for Many Types of Medical Expenses<\/li><li class=\"TrT0Xe\">Have Tax Advantages.<\/li><li>You Can Take Your HSA With You When You Leave Your Job<\/li><li class=\"TrT0Xe\">Your HSA Works Alongside Other Investment Accounts.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6dd4e5ee elementor-section-stretched elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"6dd4e5ee\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-10c35fb9\" data-id=\"10c35fb9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57d69bed elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"57d69bed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HSA funds can only be used for health care expenses until you turn 65 to avoid paying a tax penalty. You can only contribute to an HSA if you get your health coverage from a high-deductible health plan. But once the money is in there, you\u2019ll always be able to use it.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-480ffa4d\" data-id=\"480ffa4d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7627d9c3 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7627d9c3\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/prosperaunion.com\/?page_id=9\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-20cc8f87 elementor-section-full_width elementor-section-height-min-height elementor-section-content-top elementor-section-height-default elementor-section-items-middle\" data-id=\"20cc8f87\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-51921b8d\" data-id=\"51921b8d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1da536f elementor-widget elementor-widget-text-editor\" data-id=\"1da536f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>hile you have the flexibility to withdraw as little or as much as you need to help pay for health care expenses, the HSA is really designed to help you save money and build up your balance so that you\u2019re prepared for future health care expenses, including in retirement when you\u2019re likely to have more medical expenses. Once you turn 65, you can use the money in your HSA for anything you want. If you don\u2019t use it for qualified medical expenses, it counts as income when you file your taxes. Six months before you retire or get Medicare benefits, you must stop contributing to your HSA.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-579e449a\" data-id=\"579e449a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-109f442f elementor-widget elementor-widget-image\" data-id=\"109f442f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/prosperaunion.com\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health2-768x512.jpg\" class=\"elementor-animation-grow attachment-medium_large size-medium_large wp-image-2344\" alt=\"\" srcset=\"https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health2-768x512.jpg 768w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health2-300x200.jpg 300w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health2-1024x683.jpg 1024w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health2-1536x1024.jpg 1536w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health2-2048x1365.jpg 2048w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health2-1000x667.jpg 1000w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health2-230x153.jpg 230w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health2-350x233.jpg 350w, https:\/\/prosperaunion.com\/wp-content\/uploads\/2026\/04\/health2-480x320.jpg 480w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7f50a57 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f50a57\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75a3ad6\" data-id=\"75a3ad6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>About Us Prospera\u00a0 began in\u00a0 as member-owned cooperatives designed to provide fair, affordable financial services to ordinary people excluded by traditional banks. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2248","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/prosperaunion.com\/index.php?rest_route=\/wp\/v2\/pages\/2248","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prosperaunion.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/prosperaunion.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/prosperaunion.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prosperaunion.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2248"}],"version-history":[{"count":16,"href":"https:\/\/prosperaunion.com\/index.php?rest_route=\/wp\/v2\/pages\/2248\/revisions"}],"predecessor-version":[{"id":2357,"href":"https:\/\/prosperaunion.com\/index.php?rest_route=\/wp\/v2\/pages\/2248\/revisions\/2357"}],"wp:attachment":[{"href":"https:\/\/prosperaunion.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2248"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}