Health Savings Account (HSA)
An HSA is an employee funded account which you can use towards qualifying medical, dental & vision expenses. You can choose to contribute to the account on a pre-tax basis, effectively reducing your taxable income.
Acme offers a Health Savings Account administered by UMB bank. If you are newly enrolled, you will receive a Welcome Packet from UMB bank delivered to your home address on file in ADP.
Annual HSA Contribution Limits
You may choose to fund your HSA to meet your expected health care costs for the next year or fund all the way up to the contribution limit to build your tax-advantage account. Any funds you do not use in a given plan year remain in your account, building a larger account or transactional account for future health care expenses.
| Coverage | 2026 IRS Annual Contribution Maximum |
|---|---|
| Single | $4,400 |
| Family | $8,750 |
| Catch-up contribution (Age 55 or older) | $1,000 |
| Rollover | Full Amount |
HSA Eligibility
You are eligible if:
- You are not covered by other health insurance, unless it is also a qualified HSA High Deductible Health Plan (HDHP)
- You are not enrolled in Medicare
- You are not covered by Tricare or Medicaid/Denali Kid Care
- You have not received VA benefits or Alaska Native/Indian Health benefits in the last 3 months
- You cannot be claimed as a dependent on another person’s tax return
- You select and are enrolled in the group insurance HSA plan
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