Idaho Medical Savings

Prepare for the (un)expected — put aside tax-free money with an MSA.


An MSA, or Medical Savings Account, is just like a normal savings account, but with a few additional benefits. This account is designed to help you save for qualifying medical expenses and long-term care costs while reducing the amount of Idaho individual income tax that you owe.*

  • Tax deductible* way to pay for qualifying medical expenses**
  • No monthly service fee when you maintain a minimum $500 daily balance and enroll in e-statements
  • Free Visa® debit card available
  • Free IndependentAccess® online banking
  • Direct deposit available       
  • $50 deposit to open

Idaho Independent Bank has partnered with American Health Value to offer a premier version of the Idaho Medical Savings Account. In addition to the standard MSA, American Health Value is bringing 18+ years of experience administering the HSA/MSA on a national level back home to Idaho to benefit their friends and neighbors.

Along with their outstanding experience and customer service, accountholders will receive access to their healthcare discount card that can save you hundreds of dollars on prescriptions, dental costs, doctor visits and more! Upgrade your MSA for just $36 per year and allow each of us to work to our strengths and help you truly get the most out of your Idaho Medical Savings Account.

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There’s no better timeTO GET STARTED

*Consult a tax advisor

**Penalties may apply if used for non-medical expenses