Your Financial Health

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Your Health Savings Overview

Enrolling in either the Value or the Saver HDHP makes you eligible to participate in a Health Savings Account (HSA).
An HSA is a personal health care bank account that you can use to pay out-of-pocket medical expenses with pre-tax dollars. You will own and administer your account, and there are no “use it or lose it” restrictions.
HSAs allow you to save and “roll over” money if you do not spend it in the calendar year. These are individual accounts. If you change health plans or jobs the money in the account is yours to keep.
There are triple tax savings:

1. Any money put into the HSA is tax-deductible.
2. Withdrawals from the account for eligible health expenses (including dental and vision) are tax-free.
3. Interest earnings are tax-free.

You are eligible to open a HSA as long as:
You are not covered by other health insurance.
Your covered spouse or domestic partner is not enrolled in a non-tax qualified medical plan, flexible spending account (FSA) or health reimbursement account (HRA).
Your non-covered spouse or domestic partner is not enrolled in a FSA.
You are not enrolled in the Cision Medical FSA.
You are not enrolled in Medicare.
You are not claimed as a dependent on someone else’s tax return.

Employee Only: $4,150
Employee +1/Family: $8,300
Catch-up Contribution: If you are age 55 or older, you can contribute an additional $1,000.