Welcome to Sterling HSA Online Enrollment

Eligibility for an HSA simply requires three things:

  • An HSA compatible High Deductible Health Plan (HDHP) must be chosen by the account holder.
  • Account holders must be under age 65, or if over age 65, they must waive Medicare benefits.
  • Account holders cannot be a dependent on another person’s tax return.

There are no employment requirements or income limits.

The contribution maximum for 2008 is $2900 for individual and $5800 for a family, regardless of the deductible limit. In 2009, the contribution maximum increases to $3000 for individual and $5950 for family. You can make the full contribution, as noted earlier, regardless of the month in which you establish an HSA compatible high deductible plan. For tax purposes, you must maintain your HSA compatible insurance plan for 12 consecutive months in order to claim a tax deduction.

The IRS allows account holders and employers to contribute to an HSA at their convenience. Money may be deposited at any time and in any increment up to the maximum allowed per calendar year. Funds must be received by April 15 of the following year in order to qualify for a deduction.

The funds in an HSA rollover each year, are 100% vested for the employee on day one and can grow substantially over the years, due to the tax advantaged laws governing HSAs.

The individual enrollment packet is available in the Forms section of this site and can simply be completed, a check attached and mailed to our corporate offices at:

Sterling HSA
475 14th Street, Suite 120
Oakland, CA, 94612

A ‘wet signature’ (an original, non-electronic signature) on the enrollment form is required by law, so we are unable to accept a faxed transmission at this time. Enrollment forms must be signed and sent to Sterling’s office. For those wishing to enroll via the internet, click here.

If you have any questions or need assistance please contact our customer service area at: customer.service@sterlinghsa.com. We are available from Monday-Friday 8:00 AM to 6:00 PM, Pacific Standard Time toll free at 800-617-4729. Thank you.