FSA & HSA
Tax-advantaged accounts to help you save on healthcare and dependent care expenses.
FSA & HSA
Your Account Options
Choose the account that fits your medical plan. Each option offers unique tax advantages - review eligibility, limits, and how to use your funds.
HSA Overview
Administered by Inspira Financial.
- Available to HDHP enrollees only
- Enroll through Paycom (paycom.com/login)
- Funds roll over year to year - no "use it or lose it"
- Triple tax advantage: pre-tax contributions, tax-free growth, tax-free qualified withdrawals
- You own the account - fully portable if you change jobs
HSA Contribution Limits
| Coverage Type | Annual Limit |
|---|---|
| Individual | $4,400 (2026) - inclusive of employer contribution |
| Family | $8,750 (2026) - inclusive of employer contribution |
| Catch-up (Age 55+) | $1,000 |
Employer HSA Contributions
| Tier | Employer Contribution |
|---|---|
| Employee Only | $1,000 |
| Employee + Spouse | $1,250 |
| Employee + Children | $1,250 |
| Family | $1,500 |
Important Notes
- You can change the contribution amount at any time (although it may take up to two payroll periods to process)
- You are not covered by a spouse’s plan
- Employer contribution will be made on a prorated monthly basis
- Unspent dollars roll over each year and are yours to keep, even if you retire or leave the company.
- You are not enrolled in Medicare, TRICARE, or TRICARE for Life, You have not received VA benefits in the past 3 months
Inspira Financial - HSA & FSA