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Best fit for you? Understanding your costs For , the IRS limits HSA contributions to $4, for individual coverage and $8, for family coverage. Keep high medical costs from obliterating your personal savings account. An interest-bearing health savings account (HSA) lets you save for medical expenses if. Lively brings a win-win of low fees and great investment choices. The account is free for individual users. There are no recurring fees and no minimums. A Health Savings Account, or HSA, is a tax-advantaged account designed to help individuals and families with high deductible health insurance plans save for.