Health Savings Account (HSA)

You fund your account to help pay for medical expenses now and in the future with pre-tax dollars

A Health Savings Account (HSA) is a personal savings account you can use to pay for qualified out-of-pocket medical expenses with pretax dollars — now or in the future. Once you’re enrolled in the HSA, you’ll receive a debit card to help manage your HSA reimbursements. Your HSA can also be used for your expenses and those of your spouse and dependents, even if they are not covered by the UnitedHealthcare medical plan.

It’s important to identify your goals for the HSA when you enroll. Here are some key questions to help you create your personal strategy.

  • How much do you plan to spend this year on health care?
  • Monthly prescriptions or planned visits to the health care provider’s office?
  • Planned procedures or events?
  • Setting aside funds for unexpected health care expenses?
  • How much can you afford to contribute every month?
  • How much would you like to invest and save for next year?
  • How much of a tax deduction would you like to target?
HSA Information for 2025
IRS contribution limits for an HSA account Single Family
Maximum Contribution $4,300 $8,550
Catch-Up Contribution (age 55+) $1,000 $1,000
Maximize Your Health Care Dollars
At The Doctor Tips Also Remember
In-network vs. out-of-network health care professionaIs Generally, visiting a health care professional who participates within your plan's network will be less expensive than out-of-network treatments. In-network doctors typically don't require payment up front for services. You should wait for an explanation of benefits (EOB) that includes the discounted payment amount and your specific amount owed, before paying the health care professional.
Shop for lower-cost options We make cost and quality information part of every health care professional and hospital search in our health care professional directory. Review all treatment options with your doctor before you receive care. Less invasive and less costly treatments may be available.
Know your costs up front When you're faced with a costly medical procedure, know your costs up front. Our on line cost estimator tools are personalized to reflect your true out-of-pocket costs - using health care professional and plan discounts, real-time deductible status and available funds. Most plans cover in-network preventive care (such as a yearly physical) at 100%. (Not all preventive care services may be covered, such as immunizations for travel, so check your plan documents for details.) You can also use your HSA for non-reimbursable dental and vision expenses.

Our HSA is offered through Optum. Need to connect?
Health Savings Account (HSA) Calculator

Email the amount you want to save per pay period to [email protected] and we'll set up your deductions in payroll.

Quick Links

How Does The HSA Work

Eligibility

You must be enrolled in either the Core Plan or Choice Plus.

Contributions

You contribute on a pretax basis and can change how much you contribute from each paycheck up to the annual IRS maximum of $4,300 if you enroll only yourself or $8,550 if you enroll in family coverage. You can make an additional catch-up contribution up to $1,000 annually if you are age 55 or older.

Eligible Expenses

You may use your HSA funds to cover Medical, Dental, Vision and prescription drug expenses

incurred by you and your eligible family members.

Using Your Account

Use the debit card linked to your HSA to cover eligible expenses, or pay for expenses out of your own pocket and save your HSA money for future health care expenses.

Your HSA is always YOURS

One of the best features of an HSA is that any money left in your account at the end of the year rolls over so you can use it next year or sometime in the future. And if you leave the Company or retire, your HSA goes with you so you can continue to pay for or save for future eligible health care expenses.

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