An HSA (Health Savings Account) is a tax-advantaged account you can use to pay for eligible healthcare expenses, like doctor visits, prescriptions, and vision care. You and your employer can both contribute, and any unused funds roll over year after year—so the money stays yours to use now or in the future.

• You own the HSA
• It pairs with a high-deductible health (HDHP) plan
• You select how much to contribute
• You receive tax advantages
• Unused funds roll over annually

• Enrolled in the Anthem HDHP HSA plan

• Not covered by another non-HSA health plan

• Not enrolled in a Healthcare FSA

• Not receiving Medicare/Tricare benefits

• You can’t be claimed as a dependent on someone else’s tax return

• Employee Only: $750 annually / $62.50 monthly

• Employee + Dependent: $1,500 annually / $125 monthly

• Family: $1,600 annually / $133.33 monthly

• Employee Only: $4,400

• Employee + Dependent: $8,750

• Age 55+ Catch Up: $1,000

• If both spouses have self-only HDHPs: Can open own HSA and contribute up to self-only 2026 limit

• If at least one spouse has Family HDHP coverage:

  • Contribution limit is the annual family maximum for 2026

  • The couple can agree on how to divide this family limit between 2 separate HSAs:

  • Split the limit equally.

  • Allocate the entire limit to one spouse's HSA.

  • Divide it in any way they agree upon, as long as the total combined contributions to both HSAs do not exceed the family limit.

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