Build tax-free savings for health care. You can make before-tax deductions from your paycheck into your HSA, allowing you to save money by using tax-free dollars to pay for eligible medical, prescription, dental, and vision expenses.

 

     

 

The total amount that can be contributed to your HSA each year is limited by the IRS. The following limits for 2025 include any company contributions you receive from HRI:

• Up to $4,300 for associate-only coverage
• Up to $8,550 if you cover dependents
• Add $1,000 to these limits if you’re age 55 or older

Receive Company Contributions:
For 2025, HRI will make the following contributions to your account:

• $250 for associate-only coverage or
• $500 if you cover dependents

You must elect to contribute at least $1 per paycheck in order to receive HRI’s HSA contribution to your account.

---

Keep Your Money

Unlike an FSA, the money in your HSA is always yours to keep and can be rolled over from year to year. You can take your unused balance with you when you retire or leave HRI.

Use it like a bank account. Pay for eligible medical, prescription, dental, and vision expenses for yourself and your family by swiping your HSA debit card, or reimburse yourself for payments you’ve made (up to the available balance in your account). Keep in mind that you may only access money that is actually in your HSA when making a purchase or withdrawal. There’s no need to turn in receipts (but keep them for your records).

Earn interest and invest for the future. Your HSA account can be upgraded to an interest bearing account. You can learn more at optumbank.com or call 800-791-9361 and reference group #904042.

Never pay taxes. Contributions are made on a before-tax basis, and your withdrawals will never be taxed when used for eligible expenses. Any interest or earnings on your HSA balance build tax-free, too.

HSA Eligibility

In order to establish and contribute to an HSA, you:

• Must be enrolled in HRI’s high deductible health plan to be eligible for the HSA with Optum
• Cannot be covered by any other medical plan that is not a HDHP. This includes a legal spouse’s medical coverage unless it’s a HDHP
• Cannot be enrolled in a traditional health care FSA in 2025
• Cannot be enrolled in Medicare, including Part A
• Cannot be claimed as a dependent on another person’s tax return
• Cannot be a veteran who has received treatment through the Department of Veterans Affairs other than preventive care within the past three months