We offer a High Deductible Health Plan (HDHP) with Health Savings Accounts through Optum Bank. Take charge of your health care spending with a Health Savings Account (HSA) alongside the HDHP/HSA medical plan. Contribute however much you choose, up to the federal maximum limits each year.

​

MAXIMIZE YOUR SAVINGS

The money you set aside into an HSA can be used for current or future medical, dental and vision expenses and can roll over year-to-year. This allows your savings to grow. The money can be used to pay for your healthcare needs and will always be yours even if you leave the company or retire.

​

​

•  Contributions to an HSA are tax-free (they can be made through payroll deductions on a pre-tax basis when you open an account with Optum Bank).

•  The money in this account (including interest and investment earnings) grows tax-free.

•  As long as they are used to pay for qualified healthcare expenses, they are spent tax-free.

​

​

HSA FUNDING AND LIMITS

The 2026 maximum amounts allowed according to the IRS, including employer contributions, are:

​

•  Individual - $4,400

•  Family - $8,750

​

Please note these limits will include any employer contributions.  Child Crisis contributes $250 in April and $250 in October ($500 per year) and will match your annual contribution up to $1,000.  If you would like to make the maximum contribution for 2026, please subtract $1,500 from the annual contribution limits above.

​

Individuals age 55 or older may be eligible to make a catch-up contribution of $1,000 in 2026.

​

​

OPTUM BANK ACCOUNT

Once enrolled in an HSA plan, you must open an HSA account with Optum Bank (link available through Paycom).  Then, set up your HSA contributions through pre-tax payroll deductions