Health Care Spending Account

If you enroll in the Aetna Advantage or Aetna Select medical plan, you can choose a Health Care Spending Account (HCSA).

Use it for eligible medical, dental, and vision care expenses for you and your eligible dependents.

• Use it or lose it, which means you must use what you put in by March 15, 2027, or you will lose any remaining funds.

• You can contribute up to $3,300.

Health Savings Account

If you enroll in the Aetna Health Saver medical plan, you can choose a Health Savings Account (HSA). 

Use it for eligible medical, dental, and vision care expenses for you and your eligible dependents.

You can contribute up to:

• • $4,400 if you only cover yourself 

  • $8,750 if you cover your family

  • If you’re 55 or older in 2026, you can contribute an additional $1,000 as a catch-up contribution.

Plus you will receive a contribution1 from the Company if you enroll in the Inspira Financial HSA2: 

• • $400 if you cover just yourself

  • $600 if you cover your family

This account belongs to you, which means you keep the money in it even if you change plans or leave the Company. You can invest3  the money in your account—and save on taxes on those investment earnings, too. 

If you elect the Health Saver plan with the HSA for 2026, but you have a balance in your HCSA on the last day of 2025, you will not be eligible to contribute to the HSA until April 1, 2026, regardless of when you use your HCSA balance.

1  The annual company HSA contribution is divided by your total pay periods, and this amount is contributed to your Inspira Financial HSA with each pay that you are eligible for and enrolled in the HSA. While you may have an HSA through any provider you choose, when you elect the Aetna Health Saver Plan you must be enrolled in the Inspira Financial HSA to receive these company contributions.

2 The Inspira Financial HSA is not maintained or sponsored by the Company and is not subject to ERISA. 

3 Minimum balance requirements may apply.