[et_pb_section fb_built="1" _builder_version="4.25.2" background_enable_color="off" max_width="100%" module_alignment="center" custom_padding="0px||0px|" filter_hue_rotate="359deg" global_colors_info="{}"][et_pb_row column_padding_mobile="on" _builder_version="4.25.2" background_size="initial" background_position="top_left" background_repeat="repeat" width="100%" custom_padding="10px||4px||false|false" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.25.2" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_slider _builder_version="4.27.0" _module_preset="default" max_width="100%" custom_margin="-13px||-6px||false|false" custom_padding="0px|0px|0px|0px|false|false" global_colors_info="{}"][et_pb_slide _builder_version="4.27.0" _module_preset="default" header_font="Arial|600|||||||" body_font="Arial|600|||||||" body_font_size="46px" body_line_height="1em" background_enable_color="off" background_image="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/wp-content/uploads/2024/07/hdhp-scaled.jpg" background_enable_image="on" text_orientation="left" custom_padding="200px||50px||false|false" global_colors_info="{}" sticky_transition="on"]<p>High-Deductible Health<br>Plans (HDHPs) and the Health<br>Savings Account (HSA)</p>
<h2>How they work together to save you money</h2>[/et_pb_slide][/et_pb_slider][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built="1" module_class="kmod2" _builder_version="4.16" background_color="#ffffff" border_color_all="#e6e7e8" global_colors_info="{}"][et_pb_row column_structure="1_2,1_2" _builder_version="4.16" background_size="initial" background_position="top_left" background_repeat="repeat" global_colors_info="{}"][et_pb_column type="1_2" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" text_font="||||||||" text_text_color="#3575ad" text_font_size="18px" text_line_height="1.2em" hover_enabled="0" global_colors_info="{}" sticky_enabled="0"]<h3><strong>What is an HDHP?</strong></h3>
<p><span style="color: #242424;">The Value Plan and Premier Plan are both HDHPs featuring low premiums and a high deductible. HDHPs let you pay less money from your paycheck for coverage, but you’ll pay the full cost of medical services until you reach your deductible. That’s where the HSA can help you save.</span></p>[/et_pb_text][/et_pb_column][et_pb_column type="1_2" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" text_font="||||||||" text_text_color="#3575ad" text_font_size="18px" text_line_height="1.2em" hover_enabled="0" global_colors_info="{}" sticky_enabled="0"]<h3><strong>What is an HSA?</strong></h3>
<p><span style="color: #242424;">An HSA is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in an HDHP. The funds contributed to an account are not subject to federal income tax at the time of deposit, and if used for qualified health care expenses, are never taxed.</span></p>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built="1" module_class="kmod2" _builder_version="4.23.4" background_color="#e6e7e8" border_color_all="#e6e7e8" global_colors_info="{}"][et_pb_row column_structure="1_2,1_2" _builder_version="4.16" background_size="initial" background_position="top_left" background_repeat="repeat" global_colors_info="{}"][et_pb_column type="1_2" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text admin_label="Working Spouse Surcharge Policy" module_id="working-spouse-surcharge" _builder_version="4.25.2" text_text_color="#000000" background_layout="dark" custom_padding="0px||||false|false" global_colors_info="{}"]<h1><strong><span style="color: #002a4e;">How do an HDHP and an <br />HSA work together?</span></strong></h1>
<p>You can use money from your HSA to help pay for the higher deductible of the Value or Premier Plan and other qualified health care expenses. So, you benefit from a lower monthly premium, and you can use tax-free money to help you reach your deductible.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><br />Refer to <a href="https://www.irs.gov/forms-pubs/about-publication-502" target="_blank" rel="noopener"><strong>IRS Publication 502</strong></a> for a list of the qualified health care expenses.</p>[/et_pb_text][/et_pb_column][et_pb_column type="1_2" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_slider _builder_version="4.25.2" _module_preset="default" custom_margin="0px||||false|false" custom_padding="30px||30px||false|false" border_radii="on|20px|20px|20px|20px" global_colors_info="{}"][et_pb_slide heading="Save on health care. Stay in the Banner Health Network." _builder_version="4.25.2" _module_preset="default" link_option_url_new_window="on" global_colors_info="{}" sticky_transition="on"]<p>Use fewer HSA dollars while you’re working toward your deductible when you get care in the Banner Health Network. You will get more for your HSA money when you use Banner physicians, pharmacies, laboratories and other services.</p>[/et_pb_slide][/et_pb_slider][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built="1" module_class="kmod2" _builder_version="4.16" background_color="#ffffff" border_color_all="#e6e7e8" global_colors_info="{}"][et_pb_row column_structure="1_2,1_2" _builder_version="4.16" background_size="initial" background_position="top_left" background_repeat="repeat" global_colors_info="{}"][et_pb_column type="1_2" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.25.2" _module_preset="default" global_colors_info="{}"]<p>[ninja_tables id="6032"]</p>[/et_pb_text][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h6>Banner Health’s contribution does count toward annual maximum.</h6>[/et_pb_text][/et_pb_column][et_pb_column type="1_2" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.25.2" _module_preset="default" text_font="||||||||" text_text_color="#3575ad" text_font_size="18px" text_line_height="1.2em" global_colors_info="{}"]<h3><strong>How much should I contribute to an HSA?</strong><i></i></h3>
<p><span style="color: #242424;">The IRS regulates how much you can contribute to your HSA every year. These limits include any money Banner deposits into your HSA on the Premier Plan.</span></p>[/et_pb_text][et_pb_text _builder_version="4.27.0" _module_preset="default" text_font="||||||||" text_text_color="#3575ad" text_font_size="18px" text_line_height="1.2em" global_colors_info="{}"]<span style="color: #242424;">Here are some suggestions on what amount to contribute to an HSA:</span></span>
<ul>
	<span style="color: #000000;"><li>At least the amount of your deductible, so you’re ready for those expenses you would have to pay out of pocket</li>
	<li>The amount you’re saving on your premiums</li>
	<li>The maximum allowed by the IRS to benefit from the tax advantages</li>
	<li>Don’t forget about non-covered dental and vision expenses; HSA contributions can be used for those services as well</li>
</ul>
&nbsp;[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built="1" module_class="kmod2" _builder_version="4.16" background_color="#ffffff" border_color_all="#e6e7e8" global_colors_info="{}"][et_pb_row column_structure="2_3,1_3" _builder_version="4.16" background_size="initial" background_position="top_left" background_repeat="repeat" global_colors_info="{}"][et_pb_column type="2_3" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" text_font="||||||||" text_text_color="#3575ad" text_font_size="18px" text_line_height="1.2em" global_colors_info="{}"]<h3><strong>More ways to grow your savings</strong><i></i></h3>
<p><span style="color: #242424;">Your contributions are tax-deductible, so they will reduce the amount of money you pay in federal income taxes. Then your HSA will earn tax-free interest on the balance. When your HSA reaches a certain level ($1,000), you can invest your money in mutual funds to achieve an even higher rate of growth.</span></p>[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_button button_url="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/hsa-fsa/" url_new_window="on" button_text="Health Savings and Spending Accounts" button_alignment="center" _builder_version="4.27.0" _module_preset="default" custom_button="on" button_text_size="15px" button_text_color="#FFFFFF" button_bg_color="#0977b3" button_border_width="1px" button_border_radius="20px" custom_css_main_element="width: 100%;" global_colors_info="{}" button_bg_color__hover_enabled="on|desktop" button_bg_color__hover="#a8ce5c" button_bg_enable_color__hover="on"][/et_pb_button][et_pb_button button_url="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/medical/" url_new_window="on" button_text="Medical Plan Options" button_alignment="center" _builder_version="4.27.0" _module_preset="default" custom_button="on" button_text_size="15px" button_text_color="#FFFFFF" button_bg_color="#0977b3" button_border_width="1px" button_border_radius="20px" custom_css_main_element="width: 100%;" global_colors_info="{}" button_bg_color__hover_enabled="on|desktop" button_bg_color__hover="#a8ce5c" button_bg_enable_color__hover="on"][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built="1" module_class="kmod2" _builder_version="4.25.2" background_color="#212121" custom_margin="0px||0px||false|false" custom_padding="0px||0px||false|false" border_color_all="#212121" global_colors_info="{}"][et_pb_row column_structure="1_2,1_2" _builder_version="4.25.2" background_size="initial" background_position="top_left" background_repeat="repeat" custom_margin="-25px||-25px||false|false" global_colors_info="{}"][et_pb_column type="1_2" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_button button_url="https://start.myalex.com/bannerhealth" url_new_window="on" button_text="ASK ALEX" button_alignment="center" _builder_version="4.25.2" _module_preset="default" custom_button="on" button_text_color="#FFFFFF" button_bg_color="#90bb39" button_border_width="1px" button_border_radius="20px" custom_css_main_element="width: 100%;" global_colors_info="{}" button_bg_color__hover_enabled="on|desktop" button_bg_color__hover="#a8ce5c" button_bg_enable_color__hover="on"][/et_pb_button][/et_pb_column][et_pb_column type="1_2" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_button button_url="https://myhr.bannerhealth.com/" url_new_window="on" button_text="ENROLL NOW" button_alignment="center" _builder_version="4.25.2" _module_preset="default" custom_button="on" button_text_color="#FFFFFF" button_bg_color="#90bb39" button_border_width="1px" button_border_radius="20px" custom_css_main_element="width: 100%;" global_colors_info="{}" button_bg_color__hover_enabled="on|desktop" button_bg_color__hover="#a8ce5c" button_bg_enable_color__hover="on"][/et_pb_button][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built="1" admin_label="FOOTER" _builder_version="4.25.2" _module_preset="default" background_color="#212121" collapsed="on" global_colors_info="{}"][et_pb_row column_structure="1_3,1_3,1_3" _builder_version="4.25.1" _module_preset="default" custom_margin="-40px||-33px||false|false" global_colors_info="{}"][et_pb_column type="1_3" _builder_version="4.25.1" _module_preset="default" global_colors_info="{}"][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<span style="color: #e1e1e1;"><a href="https://start.myalex.com/bannerhealth" style="color: #e1e1e1;">Ask Alex</a></span>
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<span style="color: #e1e1e1;">Benefits Resource Center: 833-849-9825</span>[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.25.1" _module_preset="default" global_colors_info="{}"][et_pb_search button_color="#b5b5b5" placeholder_color="#000000" _builder_version="4.25.1" _module_preset="default" form_field_background_color="#FFFFFF" form_field_text_color="#242424" form_field_focus_background_color="#ffffff" button_text_color="#FFFFFF" background_color="#FFFFFF" border_radii="on|4px|4px|4px|4px" border_color_all="#FFFFFF" global_colors_info="{}"][/et_pb_search][et_pb_text _builder_version="4.27.0" _module_preset="default" text_orientation="center" module_alignment="right" global_colors_info="{}"]<p style="text-align: center;">[printfriendly current='yes']</p>[/et_pb_text][/et_pb_column][et_pb_column type="1_3" _builder_version="4.25.1" _module_preset="default" global_colors_info="{}"][et_pb_image src="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/wp-content/uploads/2024/06/logo-white.png" title_text="logo-white" _builder_version="4.25.1" _module_preset="default" width="60%" module_alignment="right" global_colors_info="{}"][/et_pb_image][et_pb_text _builder_version="4.27.0" _module_preset="default" custom_margin="-8px||||false|false" global_colors_info="{}"]<p style="text-align: right;"><img src="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/wp-content/uploads/2024/08/awards-2.png" width="241" /></p>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]