LUTHERAN CHURCH EXTENSION FUND
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Health Savings Account (HSA)

Use Pre-Tax and Tax Deductible Dollars Toward Medical Expenses

With the onset of rising healthcare costs, you might have a High-Deductible Health Plan (HDHP) option. Many employers, including Concordia Plan Services, offer an HDHP as one of their health coverage options. There are HDHP’s that are compatible with LCEF’s Health Savings Accounts (HSA) allowing employees to use an HSA to pay for qualified medical expenses with pre-tax and tax-deductible dollars.

HSA Benefits & Features
  • Competitive rates with LCEF’s HSA, the FlexPlus Certificate.
  • Contributions are tax-deductible; earnings grow tax-free.
  • Redemptions are tax-free for qualified medical expenses.
  • Balance carries over from year-to-year (no “use it or lose it” worries).
  • Plus, HSA dollars at LCEF earn the “ministry dividend”—your dollars work for you and the Church at the same time!
  • Tiered interest rates for HSA FlexPlus Certificate.
    • Tier 1 = $1
    • Tier 2 = $2,500
    • Tier 3 = $5,000
    • Tier 4 = $15,000+
  • Minimum amount to open an HSA FlexPlus Certificate is $1.
  • Low annual fee. (see Special Service Fee Notice for more information.)

Note: Not available to investors living in South Carolina, per the state’s offering circular.

Health Savings Account Service Center
Our Health Savings Account Service Center is an online resource to learn more about Health Savings Accounts, eligibility, and opening or servicing an HSA account.

For more information about an HDHP, contact your employer or health insurance provider. Concordia Plan Services’ number is 1-888-927-7526.
Individual Health Savings Forms
Individual Health Savings Brochures

ACH Stop Payment Form

Health Savings Account Center

Health Savings Account Brochure

Special Service Fee Notice

Search our literature rack for additional brochures.
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Have a question?
Contact LCEF directly, or call the Lutheran Church Extension Fund at 1-800-843-5233, 7:45 a.m. - 4:15 p.m., CT, Monday through Friday if you have any questions or requests.
LCEF is a nonprofit religious organization; therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell investments, nor a solicitation to buy. The offer is made solely by LCEF’s Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks.