SUPERVALU: Your Health Savings Account (HSA)

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "SUPERVALU: Your Health Savings Account (HSA)"

Transcription

1 SUPERVALU: Your Health Savings Account (HSA) Frequently Asked Questions 1. What is a Health Savings Account (HSA)? A Health Savings Account (HSA) is a savings account established under the Internal Revenue Code for the purpose of paying qualified medical expenses for individuals, his/her spouse, and/or eligible tax dependents. HSAs work hand in hand with a qualified High Deductible Health Plan (HDHP). A qualified HDHP is a health insurance plan that meets certain IRS regulations. Persons not covered by a qualified HDHP, or enrolled in Medicare, or who are enrolled in another health plan other than a qualified HDHP or listed as a dependent on another person s tax return, are not eligible to establish or contribute to an HSA. SUPERVALU HSA Medical Option meets the definition of a qualified High Deductible Health Plan suitable for funding an HSA Account. 2. What are the financial advantages of an HSA? There are many financial advantages to owning an HSA, including: Employer contributions are excluded from your Federal taxable income and most states taxable income (see note below). Contributions you make pre-tax through payroll deduction are excluded from your Federal taxable income, most states taxable income (see note below), Social Security tax and Medicare tax. Post-tax contributions are tax deductible, even if you don t itemize deductions on Form You may make tax-free withdrawals from your account for qualified medical expenses not covered by the SUPERVALU HSA Medical Option. The interest or other earnings on the assets in the HSA accumulate tax free from Federal taxes and most states taxable income (see note below). If, in the future, you are not covered by a HDHP, you may still make tax-free withdrawals from your account for qualified medical expenses, but you may not contribute additional amounts to the HSA. If you become disabled or reach age 65, withdrawals can be made for non-medical reasons without excise tax penalties, but amounts must be reported as taxable income. Note: Your HSA pre-tax payroll contribution and SUPERVALU s contributions are free from Federal and FICA tax. Contributions are also free from state income taxes except for residents of Alabama, California, New Jersey and Wisconsin. Of course, some states do not tax individual income at all. New Hampshire applies state income tax to interest and dividends earned in HSAs. Since each state may have different laws on taxing HSAs, it is very important that you consult your tax advisor for the most current information on tax treatment of HSAs in the state where you live and work. Also refer to IRS Publication 969, "Health Savings Accounts and Other Tax-Favored Health Plans." 3. What are my obligations as an account holder? Your HSA belongs to you and as such, you re responsible for maintaining the account. Here s what s expected of you as an HSA account holder: Ensure that contributions do not exceed the annual maximum.

2 Ensure that withdrawals for non-qualified expenses are added back to gross income. Keep all records that support withdrawals from your account. Complete the required tax form (Form 8889) and attach it to Form 1040 when filing your income taxes. Ensure that you do not have any medical coverage that will disqualify the HSA (such as, but not limited to, Medicare or a spouse covered by your HSA Medical Option, who also has a general purpose Health Care Reimbursement Account/HCRA or Flexible Spending Account (FSA)). Ensure that you cannot be claimed as a tax dependent of someone else. 4. Can I enroll in the High Deductible Health Plan without opening an HSA with the designated administrator? Yes. SUPERVALU associates may enroll in the HDHP (without HSA) medical option. You are not required to open an HSA with the designated HSA Trustee, SelectAccount. Please note, in order to make pre-tax contributions to an HSA (via payroll deductions), and to receive the SUPERVALU/employer contribution to your HSA, you must open an HSA with SelectAccount. HDHP members will be covered for a percentage of their eligible medical expenses after the $1,200 associate only or $2,400 family unit deductible is satisfied. 5. Will SUPERVALU fund the HSA? Yes. SUPERVALU will contribute up to $450 for associate only coverage and up to $900 for associate + child(ren), associate + spouse, or family coverage levels for associates who open their HSA with the designated administrator, SelectAccount. In addition, SUPERVALU also allows voluntary contributions to your HSA via payroll deduction if your HSA is established at SelectAccount, the designated administrator. You may open an HSA with another administrator, however, SUPERVALU will not contribute to your HSA, nor will you be able to elect pre-tax payroll contributions into your HSA. SUPERVALU's contribution to HSAs is allocated in equal installments throughout the plan year up to the maximum amount indicated for full plan year participants. Partial-year participants will receive a prorated contribution. 6. What are the potential advantages of opening an HSA? You have the security of being covered by a comprehensive plan for high-dollar medical expenses and you control how the money in your HSA is spent. For example, you can manage health care costs and out-of-pocket expenses by deciding where and when to receive health care, as well as whether to accept certain services and medications. Not only do you manage the money in your HSA and the expenses reimbursed from it, but contributions to the HSA are tax-advantaged and belong to you, even if you leave employment. The HSA Medical Option also covers preventive care at 100%, not subject to the deductible, when you use a provider in your network. 7. How do I open an HSA? Opening up an HSA with SelectAccount is part of your enrollment process at SUPERVALU, when you select the HSA Medical Option. If you elect to enroll in SUPERVALU s HDHP you will be asked at that time if you want to also establish an HSA with SelectAccount. If you have questions about how to set up the HSA please contact your HR Shared Services or local HR Manager.

3 8. I do not want to spend my HSA funds now, but would rather save the money for future medical expenses or for medical expenses in my retirement. How can I do this? In order to save and not spend your HSA funds, you do not have to do anything. The contributions that SUPERVALU makes, and the voluntary pre-tax contributions you make will be deposited in your account for you to access any time you need. If you do not want to spend your HSA funds, you can pay for your medical expenses out-of-pocket and save the money in your HSA for future medical expenses. With this option, you will pay out-of-pocket for your medical and pharmacy expenses incurred during the year. Your HSA funds will be available whenever you need them, and can be easily withdrawn at any time. Refer to the next question for your reimbursement options. 9. What are my options for reimbursement out of my HSA? Associates that open an HSA with SelectAccount will receive a welcome packet. SelectAccount is the designated HSA administrator that SUPERVALU uses for the convenience of employer contributions and voluntary payroll-deduction contributions to your HSA. The welcome packet will include information about HSA reimbursement options and the forms necessary to manage your HSA with SelectAccount if you do not have access to online resources. Debit card: When you open an HSA with SelectAccount, SUPERVALU pays for you to have a debit card for your account. A debit card will automatically be sent to you, you simply need to activate it. The debit card provides a convenient way to access your HSA dollars right when you need them, either to pay your provider s invoice or pay for your prescription at the pharmacy, and puts the control of when your account is accessed in your hands. Your HSA debit card works the same as other bank account debit cards, but you will not be able to make ATM cash withdrawal requests. If your HSA does not have enough funds for the entire expense, the charge will not be paid from your account, it will be denied. In this case, you will need to pay for this service in another way, such as out-of-pocket, and submit for reimbursement on-line for the amount you do have in your account. It s important to note if you are using your HSA debit card and later elect to use the "Crossover/Pay-the-Provider" feature (see below), use of your debit card will be discontinued while the "Crossover/Pay-the-Provider" service feature is in force on your account. If you switch to Crossover/Pay-the-Provider" your debit card will be canceled. If you later decide to switch back and request a debit card, your crossover will be discontinued and you will receive a new card. Crossover/Pay-the-Provider: In lieu of a debit card, you also have the option to elect crossover. Automatic medical claims reimbursement, or crossover, enables Blue Cross Blue Shield of Minnesota to electronically submit claims to SelectAccount for reimbursement to you. To elect crossover, simply sign in to mybluecross at bluecrossmn.com/supervalu and select HSA and then Account Options. You will see Medical Crossover. Elect the crossover option. Or, if you do not have internet access, you can also contact member services at (toll free). If you elect crossover, you will also automatically be enrolled in Pay-the-Provider. This means, if SelectAccount administers the HSA and you elect crossover, eligible medical

4 expense reimbursements will be automatically sent to the provider directly from your HSA as long as there is a balance available. Expenses that exceed the HSA balance are pended up to twelve months and reimbursed back as funds become available. When there is still a balance with your provider, additional reimbursements for that claim will be made to you as contributions are received. You will need to pay any balance to your provider. If you want to opt out of crossover/pay-the-provider, contact your member services at (toll free), or go on-line to opt back out. It s important to note that Crossover/Pay-the-Provider" and debit cards don t work at the same time and that this feature, unlike debit cards, is not available for pharmacy purchases. For members who want the option to decide when their account will be accessed we recommend using our debit card and on-line withdrawal option. For members who prefer Crossover/Pay-the-Provider", you will need to appropriately discard your debit card and sign up for that feature. Once you sign up for Crossover/Pay-the-Provider", your debit card will no longer be active. Online: With this option, you simply request a reimbursement/withdrawal in the amount needed from your HSA via your secured web access. Reimbursement will be provided based on the reimbursement method selected after you opened your HSA (either by check or automatic deposit into a checking or savings account). To request a withdrawal, simply sign in to mybluecross at bluecrossmn.com/supervalu. Click on HSA and then select the withdrawals tab. From there you will see an option to request withdrawal. Paper Claims: With this option, you submit all charges for reimbursement yourself on a paper claim form. Reimbursement will be provided by SelectAccount based on the reimbursement method you selected after you opened your HSA (either by check or automatic deposit into a checking or savings account). 10. How does an employee make contributions to an HSA? Associates may make pre-tax, post-tax, or a combination of both types of contributions to their HSA at SelectAccount. SUPERVALU offers the convenience of payroll deduction to make pre-tax contributions to a SelectAccount HSA. Once you have opened an HSA with SelectAccount, you can make pre-tax contributions at Open Enrollment or throughout the year, up to certain limits. Please contact SUPERVALU for any limitations in regard to pre-tax contributions. To make a post-tax payroll contribution into your HSA, you can send SelectAccount a check, or apply online for direct contribution. To apply online for direct contribution, simply sign in to mybluecross at bluecrossmn.com/supervalu. Click on HSA and then select the contributions tab. From there you will see an option to apply for direct contribution. After SelectAccount approves your application, use this form to set up a single or monthly contribution directly from your bank account Total contributions, including those from SUPERVALU, may not exceed $3,100 for associate only coverage or $6,250 for family coverage in Associates who are or will be age 55 by the end of the year, not enrolled in Medicare, and otherwise eligible to participate in an HSA, may make an additional tax-advantaged contribution for 2012 of up to $1,000. You are responsible for managing your maximum contributions.

5 11. What happens if money is left over in the HSA at the end of the year? Unused HSA funds remain in your account and roll over for future use. There are no limits on rollover amounts. Interest is earned on money in the account and, as your balance grows, you become eligible for more investment options. Contributions remain in the account until used. 12. How will 2012 claims be paid when I have an HSA effective January 1, 2012 and a grace period for my existing FSA until March 15, 2012? If you have funds in a general purpose Health Care Reimbursement Account (Flexible Spending Account) on the last day of the calendar year (on 12/31/2011), and you elect to enroll in the HSA Medical Option, you will not be able to make contributions to your HSA; and you will not be able to receive Employer contributions to your HSA for the first three months of The missed employer contributions will not be made up or allocated in this situation. You will be able to contribute to the HSA for the months of April through December If you have funds in a limited purpose Health Care Reimbursement Account, eligible expenses during the grace period (the first 2 ½ months of 2012) do not affect your ability to contribute to the HSA 13. Can an employee over age 65 open an HSA? Yes, as long as the employee is not enrolled in Medicare A or B and is otherwise eligible to establish and contribute to an HSA. 14. What happens to the HSA if I leave SUPERVALU? The HSA is portable and owned by you, even if you leave SUPERVALU. As long as you remain covered by a qualified High Deductible Health Plan, you may continue to contribute to your HSA. You may elect COBRA to continue the HDHP. If you are not covered by a HDHP after you leave SUPERVALU, you may continue to receive reimbursements from your HSA for qualified expenses until the HSA is exhausted, but you cannot contribute more into the HSA. You may also leave funds in the HSA and continue to earn interest on the balance. Associates who leave SUPERVALU and/or discontinue coverage in the HSA Medical Option, will be responsible for their own HSA fees. In addition, if you leave SUPERVALU and/or discontinue coverage in the HSA Medical Option, your administrative fees will be automatically deducted from your SelectAccount HSA. 15. What happens to the HSA if I don t enroll in 2012? You are no longer eligible to make contributions to your HSA if you re not enrolled in a qualified High Deductible Health Plan. You can, however, continue to receive reimbursements from your HSA for qualified expenses until the HSA funds are exhausted. You may also leave funds in the HSA and continue to earn interest on the balance. SUPERVALU will no longer pay the SelectAccount HSA administrative fees when you are no longer enrolled in the HSA Medical Option. 16. What premiums can be paid from an HSA? Qualified premiums include: COBRA, Health insurance after your reach age 65 (other than Medicare supplement), Qualified long term care insurance, Health insurance premiums while receiving unemployment compensation, and Premiums for employer-sponsored retiree medical plans for account holders 65 or older.

6 17. Are claims that I incurred prior to setting up my HSA eligible for reimbursement? No, claims incurred prior to the date your HSA was established are not considered qualified medical expenses. Eligible expenses must be incurred on or after the effective date of the HSA. This means the HSA must be established before any expenses may be reimbursed from it. Your HSA is considered established when it is opened and has at least one cent deposited. 18. What happens to an HSA if the account holder dies? As an account holder, you may designate a beneficiary when you open your HSA and you may change your beneficiary designation in writing at any time. If a spouse is the designated beneficiary of an HSA, the account will be treated as the spouse s HSA after the death. If the spouse is not the designated beneficiary of the HSA on the date of death, the account stops being an HSA and the fair market value of the HSA becomes taxable to the designated beneficiary. If there is no designated beneficiary, the fair market value of the account will be included in the account holder s final income tax return and estate tax return. 19. What happens if contributions exceed the annual limit? Generally, you must pay a 6 percent excise tax on contributions made to an HSA that are greater than the annual limit. (See IRS Form 5329 to determine this tax.) If excess contributions have been made, you won t pay the excise tax on that excess amount if you withdraw the excess contributions by the due date, including extensions, of your tax return, and if you withdraw any income earned on the withdrawn contributions, and include the earnings in other income on your tax return for the year. Consult your tax advisor. 20. Can I change my pre-tax HSA contributions during the year? Yes, because the eligibility requirements and contribution limits for HSAs are determined on a month-by-month basis, rather than on an annual basis. If you elect to make HSA contributions under a cafeteria plan, you can start or stop the election or increase or decrease the amount on a monthly basis, as long as the change is effective prospectively (i.e., after the request for the change is received). 21. Can I transfer funds from an existing account (MSA or HSA) to my SelectAccount HSA? Yes. If you would like to transfer an existing HSA or MSA balance to SelectAccount, SelectAccount will facilitate the movement of the assets from the previous account directly to the new account. You can do this by completing the transfer form included in your welcome packet. 22. Can I rollover funds from an existing account (MSA or HSA) to my SelectAccount HSA? Yes. If you would like to rollover your existing HSA or MSA to SelectAccount, the assets in that account will be distributed to you, and you will need to deposit the funds into your SelectAccount HSA. Under a rollover option, you must pay the amount into the new account with SelectAccount no later than the 60th day after the day the withdrawal was received from the previous custodian in order to avoid tax penalties.

7 23. How is interest credited to the account? SelectAccount will credit interest monthly on the average daily balance for the month in your HSA. SelectAccount reserves the right to declare a different rate of interest at any time. SelectAccount does not pay interest on funds that are transferred to investment accounts. 24. I have a major medical expense in the first few months of the year. Can I contribute a lump sum into my HSA? If you have an upcoming major medical expense and want to fund your HSA with the anticipated out-of-pocket costs, you can submit a check to SelectAccount for deposit into your HSA. Please make sure you don t exceed the maximum HSA contribution allowed by the IRS. Note: by writing a check, you will have to manually submit this amount individually as an aftertax deduction for tax purposes. Contributions made after-tax directly to your HSA are eligible for a tax deduction on your income taxes, even if you do not itemize deductions. Consult your tax advisor. Please note: If you make a lump-sum deposit directly to your HSA, and you are also making pre-tax contributions to your HSA via payroll deductions or receiving the SUPERVALU/Employer contributions to your HSA, you will need to ensure that your do not exceed the IRS limits for maximum HSA contributions. You are responsible for your HSA maximum. Consult IRS Publication 969: Health Savings Accounts. Consult your tax advisor. 25. Where can I go to learn more about my HSA with SelectAccount? Visit the Blue Cross and Blue Shield of Minnesota website at bluecrossmn.com/supervalu. To logon, use your member ID. You will not need to type in the 3-letters prior to the member ID, just start with the XZ and then the numbers that follow. 26. Can I use my HSA funds to pay for qualified medical expenses for dependents if they are not currently covered under the HSA Medical Option? Yes. You can use your HSA to pay for qualified medical expenses incurred by your spouse or your tax dependents on a tax-free basis, regardless of whether they are covered under your health care coverage. MII LifeInc., d.b.a. SelectAccount, is an independent company providing account administration services.

Frequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

Frequently Asked Questions. High Deductible Health Plan (HDHP) with Health Savings Account (HSA) Frequently Asked Questions High Deductible Health Plan (HDHP) with Health Savings Account (HSA) There are two components to the High Deductible Health Plan (HDHP) with HSA Medical Plan the HDHP Health

More information

Health Savings Account Frequently Asked Questions

Health Savings Account Frequently Asked Questions Health Savings Account Frequently Asked Questions (for Core 60 Medical Plan Members) The Health Savings Account (HSA) is a great way to save for health care expenses incurred today or in the future for

More information

2015 Health Savings Account (HSA) Frequently Asked Questions. Table of Contents

2015 Health Savings Account (HSA) Frequently Asked Questions. Table of Contents 2015 Health Savings Account (HSA) Frequently Asked Questions Table of Contents Health Savings Account (HSA) Plans What is a Health Savings Account (HSA)?...pg. 1 How does an IU Health HSA work?...pg. 1

More information

Kitsap Bank Health Savings Account Guide. A tax-smart way for you to manage growing healthcare costs.

Kitsap Bank Health Savings Account Guide. A tax-smart way for you to manage growing healthcare costs. Kitsap Bank Health Savings Account Guide A tax-smart way for you to manage growing healthcare costs. At Kitsap Bank, we believe that helping you prepare for the rising cost of health care is key to helping

More information

Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions

Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions What is the Blue Shield of California CDHP with HSA? The Blue Shield of California

More information

Health Savings Account HSA Summary

Health Savings Account HSA Summary Health Savings Account HSA Summary Effective January 1, 2016 TABLE OF CONTENTS INTRODUCTION... 3 WHO IS ELIGIBLE... 3 IRS REQUIREMENTS... 3 WHEN IS ELIGIBILITY DETERMINED?... 3 DO MY SPOUSE & I ESTABLISH

More information

CONSUMER-DIRECTED MODEL COMPARISON HSAs, VEBA Plan, and HRAs

CONSUMER-DIRECTED MODEL COMPARISON HSAs, VEBA Plan, and HRAs FEATURE Market segment(s) Health Savings Accounts (HSAs) For new sales & transfers from MSA s. Sold as part of Blue Cross Options Blue Plan CONSUMER-DIRECTED MODEL COMPARISON HSAs, VEBA Plan, and HRAs

More information

PayPal Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions

PayPal Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions PayPal Blue Shield of California Consumer Directed Health Plan with Health Savings Account (CDHP with HSA) Frequently Asked Questions What is the Blue Shield of California CDHP with HSA? The Blue Shield

More information

FREQUENTLY ASKED QUESTIONS QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN WITH A HEALTH SAVINGS ACCOUNT

FREQUENTLY ASKED QUESTIONS QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN WITH A HEALTH SAVINGS ACCOUNT FREQUENTLY ASKED QUESTIONS QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN WITH A HEALTH SAVINGS ACCOUNT Qualified High Deductible Health Plans (QHDHP) What is a QHDHP? A QHDHP is a medical plan regulated by the

More information

Health savings account Q&As

Health savings account Q&As Health savings account Q&As What are HSAs and who can have them? 1. What is a Health Savings Account (HSA) and how does it work? An HSA is a tax-advantaged account established to pay for qualified medical

More information

FREQUENTLY ASKED QUESTIONS HEALTH SAVINGS ACCOUNTS

FREQUENTLY ASKED QUESTIONS HEALTH SAVINGS ACCOUNTS FREQUENTLY ASKED QUESTIONS HEALTH SAVINGS ACCOUNTS What is an HSA? A health savings account (HSA) is a tax-favored savings account created for the purpose of paying medical expenses. Tax-deductible Contributions

More information

Orange High Deductible Health Plan (HDHP) with Health Savings Account (HSA) HDHP Basics

Orange High Deductible Health Plan (HDHP) with Health Savings Account (HSA) HDHP Basics Orange High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FAQ (Frequently Asked Questions): The following questions and answers will help you better understand Hope College s New High

More information

Health Savings Accounts: Common Questions and Their Answers

Health Savings Accounts: Common Questions and Their Answers Health Savings Accounts: Common Questions and Their Answers I. General HSAs II. Qualified High-Deductible Health Plan HDHPs III. Contributions to an HSA Distributions BlueAccount I. General HSAs I.1 What

More information

Health Savings Accounts Frequently Asked Questions

Health Savings Accounts Frequently Asked Questions Health Savings Accounts Frequently Asked Questions Health savings accounts put your health care spending in your own hands. You decide when and how to use your health care dollars and you can save on taxes

More information

2016 Health Savings Plan and Health Savings Account Questions

2016 Health Savings Plan and Health Savings Account Questions 2016 Health Savings Plan and Health Savings Account Questions Health Savings Plan (HSP) What is the Health Savings Plan? The HSP is a High Deductible Health Plan (HDHP) with coverage that starts after

More information

Health Savings Account FAQs

Health Savings Account FAQs Health Savings Account FAQs These questions and answers summarize the basic concepts of a Health Savings Account (HSA). It is not intended to provide all the information you need in order to make a decision

More information

Health Savings Account (HSA)

Health Savings Account (HSA) Health Savings Account (HSA) Your employer is offering you the opportunity to enroll in a Health Savings Account, or HSA. An HSA is a tax-advantaged account, owned by an individual who makes account contributions

More information

HEALTH SAVINGS ACCOUNT Q&A

HEALTH SAVINGS ACCOUNT Q&A HEALTH SAVINGS ACCOUNT Q&A HSA BASICS What is a health savings account or HSA? A health savings account (HSA) is a tax sheltered savings account, which is only offered to people who are covered under a

More information

Consumer Driven Health Plan (CDHP) Questions. Health Savings Account (HSA) Questions:

Consumer Driven Health Plan (CDHP) Questions. Health Savings Account (HSA) Questions: Consumer Driven Health Plan (CDHP) Questions Q1: What is a CDHP? A: A CDHP is a plan with a high deductible and a Health Savings Account component. The goal of such a plan is to create better consumers

More information

FAQs: Health Savings Accounts (HSA)

FAQs: Health Savings Accounts (HSA) FAQs: Health Savings Accounts (HSA) Thank you for choosing NTA Life Business Servicess Group, Inc. to be your HSA provider. We want to make it easy for you to manage and maintain your Health Savings Account,

More information

I don t have health insurance, can I get an HSA? Unfortunately, you cannot establish and contribute to an HSA unless you have coverage under a HDHP.

I don t have health insurance, can I get an HSA? Unfortunately, you cannot establish and contribute to an HSA unless you have coverage under a HDHP. FREQUENTLY ASKED QUESTIONS (Information obtained from US Treasury HSA website) HSA Basics What is a Health Savings Account ( HSA )? A Health Savings Account is an alternative to traditional health insurance;

More information

Health Savings Accounts

Health Savings Accounts Raymond James & Associates, Inc. Anne Bedinger, WMS Vice President, Investments 2255 Glades Road, Suite 120-A Boca Raton, FL 33431 561-981-3661 800-327-1055 Anne.Bedinger@RaymondJames.com www.annebedinger.com

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions What is a Health Savings Account (HSA)? A Health Savings Account (HSA) is an alternative to traditional health insurance; it is a savings product that offers a different way

More information

2015 Health Plan Options Employee Meeting FAQ s

2015 Health Plan Options Employee Meeting FAQ s Hormel Foods Health Plans... 1 HSA Questions... 3 FSA & LPFSA... 6 Earning Interest & Investing... 7 Taxes... 8 Retirement & Preparing for Retirement... 8 Miscellaneous... 9 NOTE: These FAQ s are provided

More information

Employers Guide to Health Savings Accounts

Employers Guide to Health Savings Accounts Employers Guide to Health Savings Accounts Employers Guide to Health Savings Accounts A Health Savings Account (HSA) is a tax-advantaged medical savings account available to individuals enrolled in a high

More information

YOUR GUIDE TO A HEALTH SAVINGS ACCOUNT (HSA)

YOUR GUIDE TO A HEALTH SAVINGS ACCOUNT (HSA) YOUR GUIDE TO A HEALTH SAVINGS ACCOUNT (HSA) DOES A HIGHMARK HEALTH SAVINGS ACCOUNT (HSA) MAKE SENSE FOR YOU? An HSA is a tax-advantaged savings account that s available to people whose health care coverage

More information

PayFlex Health Savings Account (HSA) Frequently Asked Questions

PayFlex Health Savings Account (HSA) Frequently Asked Questions OVERVIEW AND ELIGIBILITY REQUIREMENTS What is a Health Savings Account? A Health Savings Account ( HSA ) is a tax-advantaged healthcare account created for the purpose of saving and paying for qualified

More information

Your Benefits Solutions Partner. 2015 Health Savings Account Reference Guide. Plan Services Provided By

Your Benefits Solutions Partner. 2015 Health Savings Account Reference Guide. Plan Services Provided By EBAS Employee Benefits Administration Services, LLC Your Benefits Solutions Partner 2015 Health Savings Account Reference Guide Plan Services Provided By Employee Benefits Administration Services, LLC

More information

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account Table of Contents The Fidelity HSA...1 Opening and Contributing to Your Fidelity HSA...3 Using Your Fidelity

More information

WealthCare Health Savings Account

WealthCare Health Savings Account Welcome to your WealthCare Health Savings Account Enclosed is everything you need to help you learn how to use your HSA. Let s get started! effective 1/1/2015 Congratulations! Thank you for opening a Health

More information

HSA Frequently Asked Questions

HSA Frequently Asked Questions Like knowing what you re spending on health care costs? Then an HSA may be just the right thing for you. It puts your health care spending in your hands. Which is pretty cool. Want to know a little more?

More information

Account Based Health Plan with Health Savings Account Guide

Account Based Health Plan with Health Savings Account Guide Account Based Health Plan with Health Savings Account Guide Lead the way Page 1 2016 ABHP with HSA Guide You re in control with an Account-Based Health Plan Philips believes an Account Based Health Plan

More information

Health Savings Accounts & High Deductible Health Plans

Health Savings Accounts & High Deductible Health Plans Health Savings Accounts & High Deductible Health Plans Definitions Consumer Driven Health Plan ( CDHP ) A health insurance plan designed to give you more control over your health care spending. CDHPs incorporate

More information

Health. Savings. Accounts. See the difference.

Health. Savings. Accounts. See the difference. Health Savings Accounts See the difference. Better manage and control your rising healthcare costs and premiums with a Seven Seventeen Health Savings Account. As an employer, providing healthcare benefits

More information

HSA 101. A Quick Overview of Health Savings Account Basics

HSA 101. A Quick Overview of Health Savings Account Basics HSA 101 A Quick Overview of Health Savings Account Basics Agenda Health Savings Account Features HSA Eligibility Contributions Tax Information Distributions HSA-Qualified Expenses Paying for Medical Services

More information

FAQs: Health Savings Accounts

FAQs: Health Savings Accounts What is a Health Savings Account? A Health Savings Account (HSA) is a savings product that allows individuals to pay for current qualified medical expenses and save toward future medical expenses on a

More information

HSA Frequently Asked Questions Members

HSA Frequently Asked Questions Members Like knowing that you re spending on health care costs? Then an HSA may be just the right thing for you. It puts your health care spending in your hands, which is pretty cool. Want to know a little more?

More information

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account The Fidelity HSA A tax-advantaged way to pay for health care expenses* A health savings account (HSA), combined

More information

Consumer Choice Plan, Health Savings Account and Health Care Flexible Spending Account Frequently Asked Questions

Consumer Choice Plan, Health Savings Account and Health Care Flexible Spending Account Frequently Asked Questions Consumer Choice Plan, Health Savings Account and Health Care Flexible Spending Account Frequently Asked Questions Information on how the plan and the accounts work The Consumer Choice Plan 1. How is the

More information

benefits Mayo Pre-Tax Health Savings Account Plan Document and Summary Plan Description January 2015

benefits Mayo Pre-Tax Health Savings Account Plan Document and Summary Plan Description January 2015 Plan Document and Summary Plan Description A Component of the Mayo Flexible Spending Account Plan January 2015 benefits TO BUILD ON TABLE OF CONTENTS Table of Contents INTRODUCTION... 3 Pre-Tax HSA Is

More information

HSA Fundamentals Health Savings Account Disclosure Statement and Adoption Agreement

HSA Fundamentals Health Savings Account Disclosure Statement and Adoption Agreement HSA Fundamentals Health Savings Account Disclosure Statement and Adoption Agreement HSA Fundamentals Disclosure Statement HEALTH SAVINGS ACCOUNT* A Health Savings Account (HSA) such as HSA Fundamentals

More information

Health Savings Accounts

Health Savings Accounts HSAs Health Savings Accounts 2014 and 2015 Limits Questions & Answers What is a Health Savings Account (HSA)? An HSA is a tax-exempt trust or custodial account established for the purpose of paying medical

More information

Health Savings Account (HSA) Bank Account Frequently Asked Questions & Answers As of October 2014

Health Savings Account (HSA) Bank Account Frequently Asked Questions & Answers As of October 2014 Health Savings Account (HSA) Bank Account Frequently Asked Questions & Answers As of October 2014 The following provides general information to help answer frequently asked questions about the Health Savings

More information

2013 Retiree FAQs Health Savings PPO Medical Plan Option for Pre-Medicare Retirees

2013 Retiree FAQs Health Savings PPO Medical Plan Option for Pre-Medicare Retirees 2013 Retiree FAQs Health Savings PPO Medical Plan Option for Pre-Medicare Retirees Which retirees are eligible for the Health Savings PPO medical plan option? Pre-Medicare retirees are eligible to enroll

More information

Understanding Your Aetna HealthFund Health Savings Account (HSA)

Understanding Your Aetna HealthFund Health Savings Account (HSA) Understanding Your Aetna HealthFund Health Savings Account (HSA) Frequently Asked Questions (FAQs) THE BASICS What is a Health Savings Account (HSA)? An HSA is a tax-advantaged account that you own. With

More information

Old National Health Savings Account

Old National Health Savings Account Old National Health Savings Account Overview What is a Health Savings Account? A Health Savings Account (HSA) is an account that can be funded with your tax-exempt dollars, by an employer, or both, to

More information

Health Savings Account/High Deductible Health Plan FAQs re: HSA plan offering

Health Savings Account/High Deductible Health Plan FAQs re: HSA plan offering Health Savings Account/High Deductible Health Plan FAQs re: HSA plan offering 1. What services are considered preventive care? See the Open Enrollment website for a complete list of covered services. 2.

More information

HDHP FAQs. General Questions

HDHP FAQs. General Questions HDHP FAQs HDHP = High Deductible Health Plan PPO = Preferred Provider Plan, the regular or traditional healthcare plan HSA = Health Savings Account HRA = Health Reimbursement Account FSA = Flexible Spending

More information

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account Table of contents The Fidelity HSA...1 Opening and Contributing to Your Fidelity HSA...3 Using Your Fidelity

More information

The Fundamentals of Health Savings Accounts

The Fundamentals of Health Savings Accounts The Fundamentals of Health Savings Accounts (revised) prepared by Robert H. Spicknall, CEBS Virginia State Bar Members Insurance Center 9954 Mayland Drive, Suite 2200 Richmond, Virginia 23233 Tel: 877-214-5239

More information

PNC Health Savings Account

PNC Health Savings Account PNC Health Savings Account FREQUENTLY ASKED QUESTIONS Thank you for choosing PNC to be your HSA provider. Enclosed is everything you need to know about opening your account. Should you have questions about

More information

Health Savings Accounts: Innovative Health Care Financing

Health Savings Accounts: Innovative Health Care Financing Health Savings Accounts: Innovative Health Care Financing Would you be interested in a health insurance program that puts you in control of your own health care dollars, while protecting you and your family

More information

Health Savings Account (HSA) Member Guide. 2014 Xerox HR Solutions, LLC. All rights reserved.

Health Savings Account (HSA) Member Guide. 2014 Xerox HR Solutions, LLC. All rights reserved. Health Savings Account (HSA) Member Guide 2014 Xerox HR Solutions, LLC. All rights reserved. Table of contents Welcome to the BenefitWallet HSA!... 3 What is a Health Savings Account (HSA)?...3 Your BenefitWallet

More information

HSA Fundamentals Health Savings Account Disclosure Statement and Adoption Agreement

HSA Fundamentals Health Savings Account Disclosure Statement and Adoption Agreement HSA Fundamentals Health Savings Account Disclosure Statement and Adoption Agreement HSA Fundamentals Disclosure Statement Health Savings Account* A Health Savings Account (HSA) such as HSA Fundamentals

More information

The Fundamentals of Health Savings Accounts 2013

The Fundamentals of Health Savings Accounts 2013 The Fundamentals of Health Savings Accounts 2013 (revised) VSCPA Benefit Advisors P.O. Box 6505 Glen Allen, Virginia 23058-6505 Tel: 877-998-7272 Fax: 800-317-7337 www.digitalbenefitadvisors.com/vscpa

More information

YOUR GUIDE TO YOUR HEALTH SAVING ACCOUNT. www.mybancorphsa.com

YOUR GUIDE TO YOUR HEALTH SAVING ACCOUNT. www.mybancorphsa.com YOUR GUIDE TO YOUR HEALTH SAVING ACCOUNT www.mybancorphsa.com A Health Savings Account, or HSA, can be a valuable tool to help you save money for medical expenses for you and your family. An HSA is a tax-exempt

More information

Understanding a Health Savings Account

Understanding a Health Savings Account From Roper Insurance & Financial Services Understanding a Health Savings Account Type of Coverage Minimum Annual Deductible Individual $1,300 for 2015 $1,300 for 2016 Family $2,600 for 2015 $2,600 for

More information

ST14-14 Health Savings Accounts (HSA)

ST14-14 Health Savings Accounts (HSA) Tax Law Overview A health savings account (HSA) is a tax-favored medical savings account available to taxpayers. HSAs enable taxpayers to pay for current medical expenses and save for future qualified

More information

HEALTH SAVINGS ACCOUNT (HSA)

HEALTH SAVINGS ACCOUNT (HSA) HSAs Triple Tax Advantage Public Employees Benefits Program HEALTH SAVINGS ACCOUNT (HSA) HSAs can be especially beneficial at tax time! One of the key benefits of an HSA is a triple tax advantage! An HSA

More information

Understanding Your Health Savings Account (HSA) Frequently Asked Questions THE BASICS. What is a Health Savings Account (HSA)?

Understanding Your Health Savings Account (HSA) Frequently Asked Questions THE BASICS. What is a Health Savings Account (HSA)? Understanding Your Health Savings Account (HSA) Frequently Asked Questions THE BASICS What is a Health Savings Account (HSA)? An HSA is a special, tax advantaged account that that is owned by you and is

More information

Health Savings Option with a Health Savings Account (HSA)

Health Savings Option with a Health Savings Account (HSA) Health Savings Option with a Health Savings Account (HSA) The Health Savings Option is a high deductible health insurance plan administered by United Medical Resources (UMR), a United Healthcare Company,

More information

Instructions for Form 8889 Health Savings Accounts (HSAs)

Instructions for Form 8889 Health Savings Accounts (HSAs) 2009 Instructions for Form 8889 Health Savings Accounts (HSAs) Department of the Treasury Internal Revenue Service Section references are to the Internal can contribute to your HSA. However, contributions

More information

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account The Fidelity HSA A tax-advantaged way to pay for health care expenses.* A health savings account (HSA),

More information

Comparison of Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)

Comparison of Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) Account Overview Tax-exempt trust or custodial account created to pay for the qualified medical expenses of the account holder and his/her spouse or dependents. A cafeteria plan authorized under Section

More information

Your Guide to the Health Care Flexible Spending Account and the Health Savings Account

Your Guide to the Health Care Flexible Spending Account and the Health Savings Account Your Guide to the Health Care Flexible Spending Account and the Health Savings Account TABLE OF CONTENTS Introduction...1 Health Care Flexible Spending Account...2 What Is The Health Care FSA?...2 When

More information

Instructions for Form 8889

Instructions for Form 8889 2014 Instructions for Form 8889 Health Savings Accounts (HSAs) Department of the Treasury Internal Revenue Service Section references are to the Internal Revenue Code unless otherwise noted. Future Developments

More information

Understanding Your Health Savings Account (HSA) Frequently Asked Questions THE BASICS. What is a Health Savings Account (HSA)?

Understanding Your Health Savings Account (HSA) Frequently Asked Questions THE BASICS. What is a Health Savings Account (HSA)? Understanding Your Health Savings Account (HSA) Frequently Asked Questions THE BASICS What is a Health Savings Account (HSA)? An HSA is a special, tax advantaged account that is owned by you and is designed

More information

Health Savings Account FAQs

Health Savings Account FAQs General What s a health savings account (HSA)? An HSA is an interest-bearing savings account you fund either with before-tax paycheck deductions through WageWorks McKesson s HSA administrator or with tax-deductible

More information

Investing in a healthy future has never been so easy.

Investing in a healthy future has never been so easy. Investing in a healthy future has never been so easy. Gain control of healthcare costs. Build a comprehensive retirement strategy. Discover peace of mind. WHAT IS AN HSA? A health savings account (HSA)

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions Gulfstream and many other General Dynamics companies offer a new type of health plan the Personal Health Account Plan. The Personal Health Account Plan is a high deductible plan

More information

Health Savings Account (HSA) Frequently Asked Questions

Health Savings Account (HSA) Frequently Asked Questions 1. What is an HSA? A Health Savings Account (HSA) is a personal bank account created exclusively for individuals to pay for eligible health expenses and save for future healthcare expenses tax-free. Tax-deductible

More information

Health Savings Accounts (HSA)

Health Savings Accounts (HSA) What is a Health Savings Account? Health Savings Accounts (HSAs) were created so that individuals covered by qualified highdeductible health plans could receive tax-preferred treatment for money saved

More information

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document

More information

Health Savings Account Program

Health Savings Account Program St. Francis Health Services of Morris, Inc. Health Savings Account Program Summary Table of Contents INTRODUCTION... 3 DETAILS REGARDING THE HSA... 3 ELIGIBILITY... 5 DEPENDENTS... 7 ENROLLMENT... 7 WHEN

More information

Health FSA-HRA-HSA Comparison Chart

Health FSA-HRA-HSA Comparison Chart Revised December 2014 Health FSA-HRA-HSA Comparison Chart Health Flexible Spending Internal Revenue Code source Section 125 (cafeteria plans) applies to an arrangement where employees have a choice among

More information

Health Savings Account (HSA)

Health Savings Account (HSA) Tax-Advantaged Accounts Health Savings Account (HSA) September 16, 2015 State of Tennessee, Higher Ed s University of TN and The Board of Regents Today s presentation will cover: Health Savings Account

More information

B The Bancorp Bank HSA Program Overview. for. Excellus

B The Bancorp Bank HSA Program Overview. for. Excellus B The Bancorp Bank HSA Program Overview for Overview of The Bancorp Bank HSA Solution for Excellus Agenda Introduction to The Bancorp Bank HSA Eligibility, Features and Benefits Contributions, Distributions

More information

Learn What s New. Aetna High Deductible Health Plan with Health Savings Account Quick Guide

Learn What s New. Aetna High Deductible Health Plan with Health Savings Account Quick Guide Take Care Learn What s New Aetna High Deductible Health Plan with Health Savings Account Quick Guide The Aetna High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) is designed to give

More information

Business & Health Savings Accounts

Business & Health Savings Accounts HSAs Business & Health Savings Accounts Includes 2014 and 2015 Limits Questions & Answers Purpose The purpose of this brochure is to present a business decision-maker with basic information about HSAs

More information

Health Savings Accounts

Health Savings Accounts Health Savings Accounts I. What Are HSAs and Who Can Have Them? What is an HSA? An HSA is a tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical expenses

More information

Health Savings Accounts (HSAs) - A Portable Health Care Vehicle

Health Savings Accounts (HSAs) - A Portable Health Care Vehicle Background Health Savings Accounts (HSAs) - A Portable Health Care Vehicle Health Savings Accounts (HSAs) began initially as Medical Savings Accounts (MSAs), also referred to as Archer MSAs, named after

More information

Health Reimbursement Arrangements

Health Reimbursement Arrangements Health Reimbursement Arrangements Health Reimbursement Arrangements (HRAs) are plans designed to help employers and employees lower health care costs. Allowed under sections 105 and 106 of the Internal

More information

The Alliant Health Savings Account

The Alliant Health Savings Account While RR Donnelley has selected Alliant as the HSA vendor for ease of payroll deductions, RR Donnelley is not responsible for any of the Alliant programs or offerings. This is not an RR Donnelley Welfare

More information

Understanding Health Savings Accounts (HSAs) HSA Bank is a division of Webster Bank, N.A., Member FDIC.

Understanding Health Savings Accounts (HSAs) HSA Bank is a division of Webster Bank, N.A., Member FDIC. Understanding Health Savings Accounts (HSAs) What is an HSA? A tax-advantaged savings account that you use to pay for qualified medical expenses not covered by the CDHP, including deductibles, co-pays,

More information

Health Savings Account (HSA) Contribution Rules

Health Savings Account (HSA) Contribution Rules Provided by BB&T Insurance Services, Inc., McGriff, Seibels & Williams, Inc., BB&T Insurance Services of California, Inc., and Precept Insurance Solutions, LLC Health Savings Account (HSA) Contribution

More information

Health Savings Accounts (HSA)

Health Savings Accounts (HSA) Health Savings Accounts (HSA) Health Savings Accounts A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in an HSA-qualified

More information

Health Savings Account (HSA)

Health Savings Account (HSA) Tax-Advantaged Accounts Health Savings Account (HSA) September 8, 2015 State of Tennessee Local Education & Local Government Today s presentation will cover: Health Savings Account (HSA) Eligibility and

More information

Understanding Health Savings Accounts (HSAs) HSA Bank is a division of Webster Bank, N.A., Member FDIC.

Understanding Health Savings Accounts (HSAs) HSA Bank is a division of Webster Bank, N.A., Member FDIC. Understanding Health Savings Accounts (HSAs) HSA Education What is an HSA? A tax-advantaged savings account that you use to pay for qualified medical expenses not covered by the HDHP, including deductibles,

More information

Health Savings Accounts. 2013 Benefits Open Enrollment

Health Savings Accounts. 2013 Benefits Open Enrollment Health Savings Accounts 2013 Benefits Open Enrollment What is a Health Savings Account? The health savings account, or HSA, is an account that you can contribute to on a per-pay-period basis. The money

More information

INDIVIDUAL HEALTH SAVINGS ACCOUNT APPLICATION

INDIVIDUAL HEALTH SAVINGS ACCOUNT APPLICATION INDIVIDUAL HEALTH SAVINGS ACCOUNT APPLICATION ACCOUNT HOLDER S INFORMATION Last Name First Name Middle Initial Street Address City State Zip Code Social Security No. Date of Birth Daytime Phone Health

More information

Plan Comparison Chart

Plan Comparison Chart To help you understand the differences between FSAs, HRAs, and HSAs, please review the chart below. It will assist in deciding which account would complement the health plans your organization offers.

More information

5. HEALTH SAVINGS ACCOUNTS AND THEIR ADVANTAGES

5. HEALTH SAVINGS ACCOUNTS AND THEIR ADVANTAGES 5. HEALTH SAVINGS ACCOUNTS AND THEIR ADVANTAGES Clients who are attracted to the premium savings of a ConnectiCare SOLO High-Deductible Health Plan (HDHP) may wish to combine it with a Health Savings Account

More information

Health Law Update: Health Savings Account Provisions in the Medicare Prescription Drug Improvement and Modernization Act of 2003

Health Law Update: Health Savings Account Provisions in the Medicare Prescription Drug Improvement and Modernization Act of 2003 Health Law Update: Health Savings Account Provisions in the Medicare Prescription Drug Improvement and Modernization Act of 2003 This Update summarizes the provisions of the Medicare Prescription Drug,

More information

Health Savings Account Questions and Answers

Health Savings Account Questions and Answers Health Savings Account Questions and Answers Health Savings Account Basics 1. What is a Health Savings Account (HSA)? An HSA is a trust or custodial account established exclusively to receive tax-favored

More information

FLEXIBLE SPENDING ACCOUNT (FSA) PLAN DESIGN GUIDE

FLEXIBLE SPENDING ACCOUNT (FSA) PLAN DESIGN GUIDE FLEXIBLE SPENDING ACCOUNT (FSA) PLAN DESIGN GUIDE Please complete this form and return to SelectAccount 45 days before your effective date so we can properly administer your plan. If you have any questions,

More information

Aetna HealthFund Health Savings Account

Aetna HealthFund Health Savings Account Aetna HealthFund Health Savings Account Take Control of Your Health Care and Your Health Care Dollars! 14.02.305.1 (10/05) The Aetna HealthFund Health Savings Account (HSA) by Aetna Life Insurance Company

More information

SUMMARY OF GUIDE CONTENTS... 1 HIGHLIGHTS OF TAX-ADVANTAGED PLANS... 2 EMPLOYEE SALARY REDUCTION PLANS... 5

SUMMARY OF GUIDE CONTENTS... 1 HIGHLIGHTS OF TAX-ADVANTAGED PLANS... 2 EMPLOYEE SALARY REDUCTION PLANS... 5 This Guide is for informational and educational purposes only. It does not constitute legal advice or a comprehensive guide to issues to be considered by employers in establishing tax-advantaged benefits

More information

Get Started with a Health Savings Account

Get Started with a Health Savings Account Get Started with a Health Savings Account www.discoverybenefits.com A combination that puts you in control There s a relatively new way to pay for health care that is gaining popularity; a high deductible

More information

Understanding Health Savings Accounts (HSAs): An Innovative Alternative to help you manage your health care costs.

Understanding Health Savings Accounts (HSAs): An Innovative Alternative to help you manage your health care costs. Understanding Health Savings Accounts (HSAs): An Innovative Alternative to help you manage your health care costs. HSAs are an affordable, innovative way to pay for and manage your health care costs. Anthem

More information

Your Fidelity Health Savings Account. Information to help make the most of your new health savings account

Your Fidelity Health Savings Account. Information to help make the most of your new health savings account Your Fidelity Health Savings Account Information to help make the most of your new health savings account Your Fidelity HSA The health savings approach that makes sense for today. And for tomorrow. Congratulations

More information