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Health Savings Account (HSA)

Pay for eligible health care expenses or save for future ones pre-tax with an HSA, administered by HealthEquity. When you participate in the HDHP Plan or HealthChoice Plus Plan, you can participate in an HSA.

Eligibility

You are eligible for an HSA if you are enrolled in the HDHP Plan or HealthChoice Plus Plan.

You are not eligible for an HSA if you are:

  • Enrolled in the Traditional Plan or HealthChoice Plan
  • Enrolled in Medicare
  • Eligible for TRICARE
  • Claimed as a dependent on someone else’s tax return
  • Married to someone who participates in a general purpose Health Care Flexible Spending Account (FSA)

Once you enroll and open your HSA, you’ll receive a debit card from HealthEquity, which you can start using in January to cover your eligible health care expenses.

How Your HSA Works

An HSA can help you stretch your health care dollars further because of the triple tax advantage:

  • Contribute pre-tax (up to IRS limits: $4,400 for Employee Only / $8,750 Family in 2026). If you’re age 55 or older, you can contribute an additional $1,000 in “catch-up” contributions.
  • Pay for eligible expenses tax-free. Find a complete list of eligible expenses on irs.gov.
  • Your earnings continue to grow tax-free as long as they stay in your account to help save for future expenses, even into retirement.

Personify contributes to your HSA, too, based on the level of coverage you choose:

  • Employee Only: $500
  • Family: $1,000

All money deposited into your account (including Company contributions) is yours to keep when you leave or retire from the Company. There is no “use it or lose it” rule; HSA funds roll over each year.

You may change your HSA contribution amount at any time during the year. Note: The Company HSA contributions are paid in even amounts over the 26 paychecks in a year. If you are hired mid-year, your annual contribution will be prorated.

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