Health Savings Account (HSA)
When you enroll in the Anthem Consumer Choice or Anthem Basic medical plan, or one of the Kaiser High Deductible HMOs, you have the option of opening a Health Savings Account (HSA). An HSA allows you to save money on a pre-tax basis for eligible health care expenses. You can use the money now or save it for the future. You're in control of how you spend or save your HSA money, and you always own 100 percent of your account balance.

How the Plan Works

• The total amount that can be contributed to your HSA is set by the IRS each year.
• The annual maximum contribution amount includes money you contribute and money that Cotality contributes, if applicable.
• Money in your HSA can be used for eligible medical, dental, vision and prescription drug expenses.
• Any unused funds at the end of the year stay in your HSA and are available for use in the future.
• You can make changes to your HSA contribution at any time throughout the year by logging in to the Cotality Benefits Center.
• If you enroll in the Consumer Choice medical option or the Kaiser High Deductible HMO and you earn less than $150,000 per year in base salary, the Company makes a contribution to your account.
• When you have an HSA and you also have a Health Care Flexibile Spending Account (FSA), your FSA becomes a “Limited Purpose FSA”. With a Limited Purpose FSA you only can use your Health Care FSA for eligible non-medical expenses, such as dental and vision expenses.

2025 HSA Contributions

* If you enroll as a new hire during the year, your company contribution will be prorated based on your medical benefit effective date.

Employees will be subject to HSA qualification requirements and must confirm eligibility when enrolling. You may not be eligible to open an account if:

• You are covered by a medical plan that is not HSA eligible
• You are enrolled in Medicare
• You can be considered a dependent on someone else’s tax return