If you enroll in Option C coverage under the Medical Plan, you can also elect to contribute to an HSA. An HSA allows you to save for future health care expenses tax-free. Depending on your health care needs, you can use your HSA to pay for eligible expenses now or let the account grow with tax-free earnings to use for health care costs in the future, even during your retirement. The HSA is administered by Your Spending Account (YSA) through UMB Bank.