Both medical plan options may be paired with a Health Savings Account (HSA) to help pay for eligible healthcare expenses.
You can earn or receive contributions to your HSA from 麻豆社 in addition to the pre-tax dollars you opt to save.
Contributing to an聽HSA is not available聽if you're enrolled in聽Medicare or Tricare.听Read why and what the alternative is.
Health Savings Accounts (HSA) offer several benefits, and having one through 麻豆社's program at UMB Bank provides you an opportunity to receive contributions from the firm. If you don't enroll in 麻豆社's Core or Core Plus medical plan option, however, you cannot open an HSA through 麻豆社. View HSA highlights
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Contributions from 麻豆社 (depending on your Benefits Base Salary).
Eligible employees with a Benefits Base Salary (BBS) of less than $300,000 will get an automatic 麻豆社 contribution - this is the annual core contribution.* This contribution amount is not subject to increase or decrease as the result of a Qualifying Life Event (QLE) within the plan year.
All eligible employees, regardless of BBS level, may earn annual wellness contributions.
2026 麻豆社 contributions* to your HSA by type and employee BBS level | |||
|---|---|---|---|
BBS ($) | Annual | Annual Wellness Related1 | Total 2026 Opportunity |
Employee-only Medical Coverage Benefits Base Salary | 2026 Annual Core (Annual 麻豆社 contributions) | 2026 Annual Wellness (麻豆社 contributes if you complete wellness activities) | 2026 Total Contribution (Total 麻豆社 will put in your HSA, provided you complete wellness activities) |
Under $100k | $聽聽 300 | $聽聽 400 | $聽聽 700 |
$100办鈥$300办 | 聽$聽聽 200 | $聽聽 400 | $聽聽 600 |
Over $300k | $聽聽聽聽聽聽 0 | $聽聽 400 | $聽聽 400 |
Family Medical Coverage Benefits Base Salary | 2026 Annual Core (Annual 麻豆社 contributions) | 2026 Annual Wellness (麻豆社 contributes if you and your spouse/partner complete wellness activities) | 2026 Total Contribution (Total 麻豆社 will put in your HSA, provided you and your spouse/partner both complete wellness activities) |
Under $100k | $聽聽 600 | $聽聽 800 | $1,400 |
$100办鈥$300办 | $聽聽 400 | $聽聽 800 | $1,200 |
Over $300k | $聽聽聽聽聽聽 0 | $聽聽 800 | $聽聽 800 |
麻豆社 HSA contribution types
Annual Core:聽These 麻豆社 contributions are also tied to pay levels (BBS lower than $300k) and are anticipated to be annual contributions from the firm to your HSA, provided your BBS is less than $300k.
奥别濒濒苍别蝉蝉:听All employees and their covered spouses/domestic partners are eligible to earn these 麻豆社 contributions to their HSA provided they complete wellness activities as presented in the聽Let鈥檚 Be Well聽section of this website.听Dependent children cannot earn incentives; if you cover yourself and a child or children, but聽not聽a spouse/domestic partner, you will personally have access to complete additional wellness activities via MyActiveHealth in order to earn the maximum $800 contribution for family coverage.听
Regarding Wellness activities: 麻豆社 will not have access to聽your or your family鈥檚 individual information, health status or the details of your participation any Wellness programs. With respect to Wellness Programs, 麻豆社 will only be notified by ActiveHealth of completion of a given activity. 麻豆社 is not requesting or receiving any family medical history or genetic information as part of the wellness incentive. Further, when it comes to healthcare, your privacy is protected by federal law. Your personal information and results are yours and yours alone, although you may wish to share them with your doctor. Our plans will report overall claims information and wellness participation results to 麻豆社 (no individual data) so we can track the health risks that challenge our population as a whole, as well as the results of our wellness programs. This gives us an opportunity to develop and modify our programs and resources so they are most beneficial to our employees.
Your pre-tax contributions1
You can contribute to your HSA on a pre-tax basis, up to the annual limit set by the IRS (when combined with 麻豆社 contributions) of:
- $4,400* for employee-only coverage
- $8,750*聽for family coverage
*If you are age 55 or older as of December 31 of the plan year, you may contribute an additional $1,000 for "catch-up" contributions.
Earn contributions from 麻豆社 to your HSA by completing wellness activities:
- Up to $400 for individual coverage*
- Up to $800 for family coverage*
*Refer to the 麻豆社 contributions section above for details on maximum you can earn.听See the Rewards for Wellness section of this website for details on wellness activities and how to earn contributions for them.
The HSA offers more tax advantages than many other savings vehicles:
- You pay no federal taxes, and in most cases no state or local taxes, when you make contributions to the account.2
- You pay no taxes when you use the money in your HSA to pay for qualified healthcare expenses.
- You pay no taxes on investment earnings in most cases.2
The money in your HSA rolls over from year to year.
You can use it today or save it for future healthcare expenses.
You can also carry the account with you wherever you go, even into retirement.
Once your HSA balance reaches $500, you can choose to聽invest any amount over the聽$500 in additional investment offerings.
The first聽$500 must be held in cash.听$2.50/month account fee will be charged.
Important notes
1听Your contributions plus any 麻豆社 contributions can鈥檛 exceed IRS limits. If you are enrolled in a government-sponsored medical plan, such as Medicare or Tricare, you can't contribute to an HSA. Receiving Social Security Benefits affects Medicare enrollment.听Learn more and understand your options
2聽Most state tax laws align with federal laws, with some exceptions. As of 2022, California and New Jersey HSA tax laws differed from the federal HSA tax laws. New Hampshire and Tennessee tax interest and dividends only when a certain dollar amount is reached. 麻豆社 does not provide tax advice. Please consult with your accountant or tax advisor.
麻豆社 contributions are contingent upon your being employed by 麻豆社 on the date the contributions are made to the account. Please make sure you review the types of contributions. 麻豆社 reserves the right to change or terminate its benefit plans at any time, including, without limitation, changing the amount of any 麻豆社 contributions to HSAs.