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Account Based Health Plans
Maximize Your Plan
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Account-Based Health Plans
HSA
Funding Your HSA


FUNDING YOUR HSA



One of the biggest advantages of an HSA is the ability to make and receive
tax-free1 contributions. Once you sign up for a health plan with an HSA, and
your plan becomes effective, you can start adding money tax-free to your
account. You can do this through payroll deductions or through additional
deposits whenever you want.


BASIC CONTRIBUTION RULES

Although anyone can contribute to your HSA, contributions are typically only
made by you–and in some circumstances, by your employer. Contributions can be
made in 1 of 2 ways:

 1. Pretax contributions1 designated through payroll
 2. Post-tax contributions2 that require an above-the-line deduction when you
    file your annual income tax return

If your employer allows pretax contributions through payroll, this is typically
the easiest and most beneficial way to contribute to your HSA. It also provides
tax relief from various payroll taxes.


ANNUAL MAXIMUM CONTRIBUTION LIMIT

In some cases, HSAs provide a higher annual contribution limit than Individual
Retirement Accounts (IRA). And if you’re age 55 or older, you can make an added
catch-up contribution up to $1,000 in the calendar year. The IRS provides
maximum annual contribution limits, based on the type of underlying
high-deductible health plan (HDHP) coverage you have: Single or family. If you
have more than one person covered under your HDHP, you are classified as a
“family.”

The annual IRS maximum contribution limit applies to all contributions made to
your account, regardless of who makes the contribution. The annual maximum
contribution limits are as follows.

  2021 2022 Single $3,600 $3,650 Family $7,200 $7,300

Use our HSA calculator to help you decide how much to contribute




REAL-TIME HSA ACCOUNT ACCESS 24/7 ON MYCIGNA.COM

 * Log in at myCigna.com or through the myCigna® app
 * Go to Spending Accounts in the main menu and select Health Savings Account
   (HSA) from the dropdown menu
 * Select Manage Your HSA

1HSA contributions and earnings are not subject to federal taxes and not subject
to state taxes in most states. A few states do not allow pretax treatment of
contributions or earnings. See your professional tax advisor for information
about your state.

2Post-tax contributions can be made by mailing a check and banking deposit slip
to the bank, or utilizing the electronic fund transfer (EFT) capabilities
available through myCigna.com to transfer money from your personal savings or
checking account to your HSA.

FUNDING YOUR HSA

USING YOUR HSA

TAX ADVANTAGES

HSA INVESTMENT ACCOUNT

RETIREMENT SAVINGS



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The information provided here is for educational purposes only. Product
availability may vary by location and plan type and is subject to change. Plan
details may vary so always refer to your plan documents for details related to
your specific plan. Group health plans and insurance policies are insured and/or
administered by Cigna Health and Life Insurance Company (CHLIC) or its
affiliates. Dental PPO plans are insured and/or administered by CHLIC or
Connecticut General Life Insurance Company, with network management services
provided by Cigna Dental Health, Inc. (CDHI) and certain of its subsidiaries. In
Texas, the insured dental plan is known as Cigna Dental Choice, and this plan
uses the national Cigna DPPO network. Cigna Dental Care (DHMO) plans are insured
by Cigna Dental Health Plan of Arizona, Inc., Cigna Dental Health of California,
Inc., Cigna Dental Health of Colorado, Inc., Cigna Dental Health of Delaware,
Inc., Cigna Dental Health of Florida, Inc., a Prepaid Limited Health Services
Organization licensed under Chapter 636, Florida Statutes, Cigna Dental Health
of Kansas, Inc. (KS & NE), Cigna Dental Health of Kentucky, Inc. (KY & IL),
Cigna Dental Health of Maryland, Inc., Cigna Dental Health of Missouri, Inc.,
Cigna Dental Health of New Jersey, Inc., Cigna Dental Health of North Carolina,
Inc., Cigna Dental Health of Ohio, Inc., Cigna Dental Health of Pennsylvania,
Inc., Cigna Dental Health of Texas, Inc., and Cigna Dental Health of Virginia,
Inc. In other states, Cigna Dental Care plans are insured by CHLIC or Cigna
HealthCare of Connecticut, Inc., and administered by CDHI. CHLIC policy forms:
OK – Medical: HP-APP-1 et al., DPPO: HP-POL99/HP-POL388, DHMO: POL115; OR –
Medical: HP-POL38 02-13, DPPO: HP-POL68/HP-POL352, DHMO: HP-POL121 04-10; TN –
Medical: HP-POL43/HC-CER1V1 et al., DPPO: HP-POL69/HC-CER2V1/HP-POL389 et al.,
DHMO: HP-POL134/HC-CER17V1 et al. All plans have exclusions and limitations. For
costs and details of coverage, see your plan documents.

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