 TITLE: What Is a Health Savings Account (HSA)? CONTENT: Can a Health Savings Account Affect Your Credit Score?\n------------------------------------------------------\nAs with other checking, savings and investment accounts, an HSA won't directly impact your credit scores. Your credit report won't even include these accounts or their balances. But unpaid medical bills can wind up hurting your credit if they're sent to collections.\nHaving an HDHP could lower your monthly premiums (relative to a different plan), which may free up money to set aside in an HSA. The tax break from the contributions could also help your overall financial situation, making it less likely that you'll have a bill you can't afford.\nIf you can't afford a medical bill, you can try to negotiate it or ask your medical provider for a payment plan. You may want to consider these options even when you can afford the bill to save money and spread out the cost. END