HSAs are provided by Fidelity Investments. There are several administrative and investment tools that can help you unlock the full potential of saving in an HSA.
Participating in an HSA gives you the opportunity to pay for eligible healthcare expenses on a pre-tax basis, which means you make your contributions from your paycheck before federal, and most state and FICA taxes are withheld. By setting aside money on a pre-tax basis, you will lower your taxable wages. You can use these tax-free dollars to pay for, or receive reimbursement for, HSA-eligible expenses.
There is no “use it or lose it” rule with HSAs. Any unused funds carry forward for your use in future years. An HSA is your individual bank account, even if you change jobs or health plans.
Your Fidelity Investments HSA
If you elect an HSA-based medical plan, the Company will open an account with Fidelity Investments on your behalf. You should receive your Welcome Packet from Fidelity Investments within two to three weeks of your enrollment, including an HSA debit card.
For 2026, you may contribute up to $4,400 if you have individual coverage under an HSA-based medical plan, or $8,750 if you cover at least one additional family member under an HSA-based medical plan. If you will be age 55 or older in 2026, IRS guidelines allow you to contribute up to $1,000 as an additional HSA ‘catch-up’ contribution.
Dollar-for-Dollar Employer HSA Match
For every dollar you set aside, the Company will match it with their own contribution up to the match limit. This benefit is available to ALL teammates who enroll in the HSA Primary or HSA Base plan. HSA match limits vary based on your medical plan and coverage tier.
Company match will be deposited into your HSA, based on your contribution each payroll up to the match limit. You must activate your HSA account during your enrollment window by agreeing to the terms and conditions of the Fidelity account and you must elect to contribute to the account to receive the employer match. If you open an HSA account at a later date, the company match will begin at that time.
Employer Match Limits
| HSA Primary | HSA Base |
| $750 individual $1,000 family | $500 individual $750 family |
Please Note: An account cannot be opened if you provide a P.O. Box for your address and Fidelity Investments may require additional information before an account can be opened for you. Therefore, watch your mail for communications from Fidelity Investments.
Important Reminders
- Contributions are always yours to keep, even if you leave the Company.
- As the account owner, you are responsible to understand HSA rules and regulations. If you are enrolled in Medicare, you may not contribute to an HSA. Please consult your tax advisor to ensure you understand HSAs and your eligibility.
- Your HSA Welcome Packet from Fidelity Investments will include the terms and conditions of your new account. You must accept these terms before your account can be fully functional.
