Confirm you are eligible for an HSA
Enroll in a qualifying high-deductible health plan
Choose an HSA provider through your employer, bank, credit union, or brokerage
Gather required personal information such as your Social Security number and address
Complete the HSA application online or on paper
Fund the account with an initial contribution if needed
Set up payroll contributions if your employer offers them
Review contribution limits for the current year
Keep records of eligible medical expenses and contributions
Activate your HSA debit card or online access if provided
Designate beneficiaries for the account
Monitor the account and use funds only for qualified medical expenses