HSA contributions can come from the accountholder, employer or both, all in the same tax year. Each year the IRS changes the maximum annual contribution. For 2014 the maximum is $3,300 for individuals and $6,550 for families. Catch-up contributions can be made by individuals 55 and over up to $1,000.
HSAs are portable and move with the accountholder if there is a change in employment.
Unused HSA funds roll over from year to year and interest continues to grow on a tax-deferred basis.
Sterling allows HSA accountholders to self-direct HSA investments (subject to IRS limitations).