The HSA-eligible plan provides a way to save money that becomes available in future years for health care expenses. Contributions to an HSA can be made on a pre-tax basis from your checks or you can contribute post-tax deductions directly to your HSA. Funds within the HSA grow without incurring taxes and funds are withdrawn tax-free for healthcare-related needs without having to file receipts, although you should keep your receipts in case you are ever audited. Money deposited in the HSA by the employee and employer immediately becomes the employee’s asset and is portable.