Using Your Health Savings Account (HSA)
How Your HSA Works & How to Contribute FundsHealth Savings Account (HSA)
The Choice HSA medical plan has a health savings account (HSA) administered by AccrueHealth.
Opening an HSA
By opening an HSA, you can:
- Set aside money pretax to pay for qualified expenses.
- Earn tax-free interest over time.
- Make tax-free withdrawals to pay for qualified medical, dental, and vision expenses.
- Use it as a retirement savings tool. Invest part of your HSA in mutual funds to save for the future.
Contributing Your Own Funds to Your HSA
You can elect to deposit your own money into your HSA from each paycheck before your pay is taxed. The maximum amount you can contribute to your HSA is the annual limit set by the IRS, plus any catch-up contributions if you are eligible.
2026 IRS contribution limits:
- $4,400 if you only cover yourself.
- $8,750 if you cover family members.
- If you are age 55 or older, you can contribute an additional $1,000.
How Medical Expenses Are Paid
When you incur eligible health care expenses, it’s your choice how you pay. You can choose to pay using funds from the HSA or pay another way (e.g., cash or card).
As a reminder, in-network preventive care services are covered 100% throughout the plan year and do not affect your HSA funds.
The Choice HSA medical plan has a deductible, which is the total amount you must pay for non-preventive services before coinsurance takes effect.
Coinsurance is when the medical plan shares in the cost of eligible healthcare expenses. This takes effect after you have paid the plan deductible.
For example, if the plan pays 80% of the cost for services after the deductible is met, you will pay the remaining 20% of the cost.
Note: If any dependents are enrolled in your coverage, you must meet the family deductible before the plan shares the cost of eligible expenses.
Once your deductible and coinsurance payments add up to the plan’s out-of-pocket maximum, the plan will pay 100% of all eligible healthcare expenses for the rest of the plan year.
More Resources
AccrueHealth
Health Savings Account (HSA)
Contact Information
Phone: 1-844-643-3099
Available Monday through Friday from 8 a.m. - 8 p.m. ET.
Quick Links
Using Your HRA through Dec. 31, 2025
If you had a health reimbursement account (HRA) for the 2025 plan year, follow the link below for information about using your HRA and submitting claims for reimbursement.