Check if you are eligible for an HSA
Enroll in a qualifying high-deductible health plan
Choose an HSA provider such as a bank, credit union, or financial institution
Gather required personal information such as your name, address, Social Security number, and date of birth
Complete the HSA application online, in person, or by mail
Link a funding source if you want to make contributions by transfer or payroll deduction
Review the account terms, fees, and investment options
Submit the application and wait for account approval
Activate the HSA debit card or online access if provided
Set up contributions and keep records for tax purposes