FSA & HSA
Save money on healthcare expenses with tax-advantaged spending and savings accounts.
FSA & HSA
Health Savings Account (HSA)
Administered by Flores. Available with the High Deductible Health Plan (HDHP) only only. Enroll via paper enrollment forms.
- HSA funds roll over year to year - unspent dollars are yours to keep
- Portable if you change jobs or retire
- Triple tax advantage: pre-tax contributions, tax-free growth, tax-free withdrawals for qualified expenses
- Annual deposit limits include both employee and Agrana contributions combined
- Must re-enroll each year - does not auto-carry over; enroll via paper form
- HSA is funded per pay period; deduction amount can be changed at any time
- Changes may take 1–2 payroll periods to process
- Eligibility: must be enrolled in HDHP, not covered by spouse's plan, not claimed as dependent by another, not enrolled in Medicare/TRICARE/TRICARE for Life, no VA benefits in past 3 months
Employer HSA Contribution
| Coverage Tier | Tier 1 Engaged | Tier 2 Engaged |
|---|---|---|
| Employee Only | $750 | $375 |
| Employee+1 | $1000 | $500 |
| Employee+2 or more | $1500 | $750 |
Employee Only
Tier 1 Engaged$750
Tier 2 Engaged$375
Employee+1
Tier 1 Engaged$1000
Tier 2 Engaged$500
Employee+2 or more
Tier 1 Engaged$1500
Tier 2 Engaged$750
Annual Contribution Limits
| Coverage Tier | 2026 Annual Limit | 2027 Annual Limit |
|---|---|---|
| Individual | $4,400 | $4,500 |
| Family | $8,750 | $9,000 |
| Catch-up (Age 55+, not enrolled in Medicare) | $1,000 additional | $1,000 additional |
Individual
2026 Annual Limit$4,400
2027 Annual Limit$4,500
Family
2026 Annual Limit$8,750
2027 Annual Limit$9,000
Catch-up (Age 55+, not enrolled in Medicare)
2026 Annual Limit$1,000 additional
2027 Annual Limit$1,000 additional