Check out the HSA Bank microsite for Cherry Creek Schools: https://www.hsabank.com/CCSD

Register here for the HSA Bank webinar
From Safety Net to Nest Egg

Oct 23 & Nov 18, 2025

4:30 PM - 5:00 PM

Health Savings Account (HSA)

Health Savings Accounts (HSA) are the most tax-efficient way to pay medical, dental, and vision expenses (and more!) while providing an opportunity to build a safety net for future expenses. 

HSAs are for you to use and keep, so unspent dollars roll forward and earn tax-free interest, and if you leave the District, the HSA goes with you! 

Cherry Creek School District contributes $3,000 per year for individuals and $6,000 per year for families (full-time) who enroll in United HealthCare HDHP plans and are eligible to establish an HSA. The maximum families may receive in District contribution is $6,000/year.  If both spouses work for the District you may not both enroll and receive more than the $6,000 contribution.

These contributions greatly reduce your out-of-pocket costs, and cut the full-time annual deductible in half! 

You can also make pre-tax contributions to your HSA Bank account through payroll deduction to stretch your healthcare dollars even further. Visit https://www.hsabank.com/hsabank/Members/Members-Frequently-Asked-Questions to learn more about the benefits of having a Health Savings Account. ​

HSA Eligibility:

You are eligible for an Health Savings Account unless you: 

• Are enrolled in a plan that is not a qualified high deductible plan, such as our DHMO plans

• Have a medical FSA or your spouse has a medical FSA as of July 1 , 2022

• Are enrolled in TRICARE, Medicare, or Medicaid

• Have received VA care for a non-service-connected condition in the last three months

• Are covered by another medical plan, such as a spouse's plan, that is not a qualified high deductible plan

Are there any contribution limits?​​

2025 IRS Contribution Limit CCSD Annual Contribution (FT/PT) CCSD Monthly Contribution (FT/PT)

Individual Coverage $4,300 $3,000 / $1,500 $250 / $125

Family Coverage $8,550 $6,000 / $3,000 $500 / $250

55+ Catch-up Contribution       $1,000   -----     -----

Can I change my HSA contribution?

Yes, you can make changes to your HSA contribution anytime during the year. ​​Health Savings Account (HSA) changes must be completed in Oracle following these steps:

Locate and open the Oracle app in your My.CherryCreek Portal

Click on the Benefits tile and then click Report a Life Event.

For a step-by-step guide on this process, click here.
Note: When making this change you must account for all deductions to date for this plan year in addition to any future amounts in. For example, if you have been contributing $50 from July through December but want to make the change to $0 monthly for January and beyond. You will enter $300 in the amount box. This will show your future contributions as $0. Another example using the same scenario above but making a future change to $100 per month. You would use the $300 figure for year to date contributions plus future contributions totalling $600 ($100 for January through June) and write in $900 in the amount box. This will show your future contributions as $100.
When finished, press Continue then Submit. You will receive a confirmation screen when it has been submitted.

How do I add or update my HSA beneficiary information? 

• Click HERE for a guide to help walk you through how to make these changes by way of a Mid-Year HSA Life Event in Oracle.

• Contact benefits@cherrycreekschools.org if you need further assistance.
  ​

How do I contact HSA Ban​k?

HSA bank is committed to providing you with the highest level of customer service available in the industry.  Client Assistant Center (for members)

English: 1-800-357-6246

Spanish: 1-866-357-6232

Available 24 hours a day, 7 days a week

Member website, click here

Lost or stolen cards: 1-800-357-6246 during business hours. Call 1-800-523-4175 during holidays

Health savings in the palm of your hand by using HSA Bank Mobile