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By accessing and using Demo.Health's website and services, you agree to comply with and be bound by the following terms and conditions. Demo.Health, Inc. provides health savings and spending account administration services. The information on this website is intended for general informational purposes only and should not be construed as tax, legal, or investment advice. Health Savings Accounts (HSAs) are individually owned accounts and are subject to eligibility requirements and annual contribution limits set by the IRS. HSA funds used for non-qualified expenses may be subject to income tax and a 20% penalty for individuals under age 65. Investment options are available through Demo.Health Advisors, LLC, a registered investment adviser and wholly owned subsidiary of Demo.Health, Inc. Investing involves risk, including possible loss of the principal invested. FDIC insurance does not cover investment accounts. HSA cash deposits may be insured by the FDIC up to applicable limits. © 2002-2026 Demo.Health, Inc. All rights reserved. Demo.Health, the Demo.Health logo, and Engage360 are trademarks of Demo.Health, Inc.