[et_pb_section fb_built="1" admin_label="PAGE HEADER" _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 heading="Health Savings and Spending Accounts" _builder_version="4.27.0" _module_preset="default" header_font="Arial|600|||||||" background_enable_color="off" background_image="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/wp-content/uploads/2024/07/hsa.jpg" background_enable_image="on" text_orientation="left" custom_padding="200px||50px||false|false" global_colors_info="{}" sticky_transition="on"][/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="4.25.2" background_color="#FFFFFF" border_color_all="#e6e7e8" global_colors_info="{}"][et_pb_row column_structure="1_2,1_2" module_class="my_accordion" _builder_version="4.25.2" background_size="initial" background_position="top_left" background_repeat="repeat" custom_margin="-21px||||false|false" custom_css_free_form="h5.et_pb_toggle_title {||    padding: 0 !important;||    text-align: center !important;||}" global_colors_info="{}"][et_pb_column type="1_2" _builder_version="4.25.2" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h2>Health Savings Accounts (HSAs)</h2>
<p><span style="color: #000000;">An HSA is a bank account used for qualified health care expenses (medical, prescription, dental and vision). Contributions are pre-tax, and it is your personal account to use now and in the future. There is no “use it or lose it” rule, so funds roll over from year to year. You can even take it with you if you leave Banner Health.</span></p>[/et_pb_text][/et_pb_column][et_pb_column type="1_2" _builder_version="4.25.2" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_button button_url="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/hdhp-and-hsa/" url_new_window="on" button_text="How Your Medical Plan & the HSA Work Together" button_alignment="center" _builder_version="4.27.0" _module_preset="default" custom_button="on" button_text_size="17px" button_text_color="#FFFFFF" button_bg_color="#3576ae" button_border_width="1px" button_border_radius="20px" custom_css_main_element="width: 100%;" global_colors_info="{}" button_bg_color__hover_enabled="on|hover" button_bg_color__hover="#4394e0" button_bg_enable_color__hover="on"][/et_pb_button][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h4>For 2025, Banner’s funding will be:</h4>
<p><span style="color: #000000;"><strong>Premier Plan:</strong> Banner Health will contribute $450 for individual coverage or $900 for family coverage. Contributions are made on a per-paycheck basis in 2025.</span></p>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_2,1_2" module_class="my_accordion" _builder_version="4.25.2" background_size="initial" background_position="top_left" background_repeat="repeat" custom_margin="-21px||||false|false" custom_css_free_form="h5.et_pb_toggle_title {||    padding: 0 !important;||    text-align: center !important;||}" global_colors_info="{}"][et_pb_column type="1_2" _builder_version="4.25.2" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h4>There are multiple ways to fund your HSA:</h4>
<ul>
	<span style="color: #000000;"><li>Contribute your own money through payroll deductions.</span></li>
	<li><span style="color: #000000;">Contribute your own post-tax money directly to the account.</span></li>
	<li><span style="color: #000000;">Banner Health makes per-paycheck contributions to your HSA.</span></li>
</ul>[/et_pb_text][et_pb_text _builder_version="4.27.0" _module_preset="default" custom_margin="40px||||false|false" global_colors_info="{}"]<p><span style="color: #000000;">Log in to your account at <strong><a href="http://healthequity.com/ed/BannerHealth" target="_blank" rel="noopener">healthequity.com/ed/BannerHealth</a></strong> to manage your HSA.</span></p>[/et_pb_text][et_pb_image src="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/wp-content/uploads/2024/07/hsa-2.jpg" title_text="Screenshot" _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"][/et_pb_image][/et_pb_column][et_pb_column type="1_2" _builder_version="4.25.2" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h3><span style="color: #3575ae;"><strong>Important information </strong><strong>about your HSA</strong></span></h3>
<p><span style="color: #000000;">Banner’s contributions to your HSA will be made on a per-paycheck basis.</span></p>
<p><span style="color: #000000;"> <br />Note: Due to rounding, your actual annual contribution may vary from your elected amount by a few cents, but will never exceed the allowable annual maximum.</span></p>[/et_pb_text][et_pb_text _builder_version="4.27.0" _module_preset="default" background_color="#592e84" custom_margin="0px||-5px|-2px|false|false" custom_padding="6px|25px|0px|25px|false|false" border_radii="on|20px|20px|20px|20px" global_colors_info="{}"]<h4 style="text-align: center;"><span style="color: #ffffff;"><strong><img src="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/wp-content/uploads/2024/09/HE-1.png" width="262" /></strong></span></h4>
<h4><span style="color: #ffffff;"><strong>Manage your accounts with HealthEquity</strong></span></h4>
<p style="font-weight: 400;"><span style="color: #ffffff;">Visit the HealthEquity Education Center to learn more about how to manage your health care spending and maximize your savings. Log in to get started:</span></p>
<p><span style="color: #ffffff;"></span></p>
<p><span style="color: #ffffff;"></span></p>
<ul>
<li><span style="color: #ffffff;">HSA/FSA/COBRA education portal: <a href="https://healthequity.com/ed/BannerHealth" target="_blank" rel="noopener" style="font-size: 14px; color: #ffffff;"><b>healthequity.com/ed/BannerHealth</b></a></span></li>
<li><span style="color: #ffffff;">HSA/FSA account login: <span style="font-size: 14px;"></span><a href="https://healthequity.com" target="_blank" rel="noopener" style="font-size: 14px; color: #ffffff;"><b>healthequity.com</b></a></span></li>
<li><span style="color: #ffffff;">COBRA account login: <a href="https://wageworks.com" target="_blank" rel="noopener" style="color: #ffffff;"><strong>wageworks.com</strong></a></span></li>
</ul>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built="1" module_class="kmod2" _builder_version="4.27.0" background_color="#eff6fb" border_color_all="#e6e7e8" global_colors_info="{}"][et_pb_row column_structure="1_2,1_2" module_class="my_accordion" _builder_version="4.25.2" background_size="initial" background_position="top_left" background_repeat="repeat" custom_margin="-21px||||false|false" custom_css_free_form="h5.et_pb_toggle_title {||    padding: 0 !important;||    text-align: center !important;||}" global_colors_info="{}"][et_pb_column type="1_2" _builder_version="4.25.2" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h4><strong>Benefits of HSAs</strong></h4>
<span style="color: #000000;"><ul><ul style="padding-left:30px">
	<span style="color: #000000;"><li>Your HSA contributions come out of your paycheck pre-tax.</span><span style="color: #000000;"></span>
	<span style="color: #000000;"><li>You earn tax-free interest.</li>
	<li><span style="color: #000000;">You can take money out tax-free if you use the money for qualified expenses for you and your eligible dependents—even if the dependents are not enrolled in your medical plan.</span></li><br>
<span style="color: #000000;">&nbsp;
NOTE: HSA funds can’t be used on a domestic partner’s health care expenses even if he or she is covered on your medical plan, as he or she is not considered an eligible tax dependent by the IRS. </span>[/et_pb_text][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<ul><ul style="padding-left:30px">
	<span style="color: #000000;"><li>HSA funds are yours to keep. There is no “use it or lose it” rule, and you can take the HSA with you if you change jobs and/or insurance plans.</span></li>
	<li><span style="color: #000000;">Once your savings reach $1,000, you can invest your money in mutual funds to achieve a higher rate of growth.</span></li>
	<li><span style="color: #000000;">After you retire, you can use the money for Medicare premiums.</span></li>
	<li><span style="color: #000000;">You can only use the funds in your HSA for qualified health care expenses.</span></li>
	<li><span style="color: #000000;">You can change your HSA contribution at any time throughout the year.</span></li>
</ul>[/et_pb_text][/et_pb_column][et_pb_column type="1_2" _builder_version="4.25.2" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h4><strong>HSA eligibility</strong></h4>
<p><span style="color: #000000;"><strong>You are eligible to fund an HSA if you are enrolled in the Banner Health Value or Premier High-Deductible Health Plans. You are not eligible if you are:</strong></span></p>[/et_pb_text][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<ul><ul style="padding-left:30px"><span style="color: #000000;"><li>Covered by a non-HSA eligible medical plan, Health Care FSA (including an account provided through your spouse’s employer) or<br />health reimbursement arrangement</li>
<li><span style="color: #000000;">Eligible to be claimed as a dependent on someone else’s tax return</span></li>
<li><span style="color: #000000;">Enrolled in Medicare or TRICARE for Life.</span></li>
<li><span style="color: #000000;">Receiving Veterans Affairs (VA) benefits or have received</span></li>
<li><span style="color: #000000;">VA benefits in the last six months<br /></span></li>
</ul>
</span>
<p><span style="color: #000000;">Refer to <strong><a href="https://www.irs.gov/forms-pubs/about-publication-969" target="_blank" rel="noopener">IRS Publication 969</a></strong> for additional eligibility details.</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="4.25.2" background_color="#efefef" border_color_all="#e6e7e8" global_colors_info="{}"][et_pb_row module_class="my_accordion" _builder_version="4.25.2" background_size="initial" background_position="top_left" background_repeat="repeat" custom_margin="-21px||||false|false" custom_css_free_form="h5.et_pb_toggle_title {||    padding: 0 !important;||    text-align: center !important;||}" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.25.2" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h2>Flexible Spending Accounts</h2>
<p><span style="color: #000000;">Banner offers our team members two FSAs. These FSAs let you set aside money for health care or dependent care expenses on a per-paycheck basis. This reduces your taxable income, which lowers the amount of federal and state taxes withheld from each paycheck.</span></p>[/et_pb_text][et_pb_text _builder_version="4.25.2" _module_preset="default" global_colors_info="{}"]<p><span style="color: #000000;">You can enroll in FSAs even if you aren’t enrolled in a Banner medical plan. However, you are not eligible to participate in the Health Care FSA if you are enrolled in the Value or Premier High-Deductible Health Plans.</span></p>[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure="1_2,1_2" module_class="my_accordion" _builder_version="4.25.2" background_size="initial" background_position="top_left" background_repeat="repeat" custom_margin="-21px||||false|false" custom_css_free_form="h5.et_pb_toggle_title {||    padding: 0 !important;||    text-align: center !important;||}" global_colors_info="{}"][et_pb_column type="1_2" _builder_version="4.25.2" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h4>There are two ways to fund your Health Care FSA:</h4>
<p></span></p>
<span style="color: #000000;">
<ul><ul style="padding-left:30px">
<span style="color: #000000;"><li>You can save up to $3,200 per year in a Health Care FSA, which is spread out evenly over the remaining pay periods in the plan year from when you enroll.</li>
<li>You can make claims on the entire planned contribution even before you make the actual payroll contributions.</li>
<li>You can use the Health Care FSA for eligible medical, pharmacy, dental and vision expenses for you and your eligible dependents, even if they are not covered by your Banner Health plans.</li>
<li>When using the debit card, you may still be required to mail or fax proof of your expenses, or the payment will become taxable.</li>
<li>If you don’t use the debit card, you file a claim for reimbursement.</li>
<li>There is a “use it or lose it” rule, so plan wisely. Any unused balance at the end of the plan year is forfeited.</li>
<li>You can’t use the money for non-eligible expenses. If you do, you must pay regular income tax on the expenses.</li>
<li>IRS guidelines require substantiation of claims processed through a debit card. Example: providing a copy of an Explanation of Benefits.</li>
</ul>
</span>
<p>&nbsp;</p>[/et_pb_text][/et_pb_column][et_pb_column type="1_2" _builder_version="4.23.4" _module_preset="default" global_colors_info="{}"][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h4><span style="color: #000000;">Using a Dependent Care FSA</span></h4>
<p><span style="color: #000000;"></span></p>
<p>&nbsp;</p>
<p><span style="color: #000000;"></span></p>
<ul>
<span style="color: #000000;"><li>You can save up to $5,000 per year in a Dependent Care FSA, which is spread out evenly over the remaining pay periods in the plan year from when you enroll.</li>
<li><span style="color: #000000;">As you incur expenses, you file a claim for reimbursement.</span></li>
<li><span style="color: #000000;">You can only make claims on the contributions that have come out of</span><span> </span><span style="color: #000000;">your paycheck.</span></li>
<li><span style="color: #000000;">You can use the Dependent Care FSA for eligible day care expenses for children up to age 13 and elder care.</span></li>
</ul>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><span style="color: #000000;"></span></p>
<p><span style="color: #000000;">For details about eligible expenses under the FSAs, review IRS Publication 502 at <strong><a href="https://www.irs.gov/forms-pubs/about-publication-502" target="_blank" rel="noopener">irs.gov/forms-pubs/about-publication-502</a></strong>.</span></p>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built="1" admin_label="ASK ALEX - ENROLL NOW" module_class="kmod2" _builder_version="4.25.2" background_color="#eff6fb" custom_margin="0px||0px||false|false" custom_padding="0px||0px||false|false" border_color_all="#eff6fb" collapsed="on" global_colors_info="{}"][et_pb_row _builder_version="4.25.2" background_size="initial" background_position="top_left" background_repeat="repeat" custom_margin="||||false|false" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="4.16" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h3><span style="color: #3575ae;"><strong>Non-discrimination testing rules apply</strong></h3>

<span style="color: #000000;">To ensure non-highly compensated team members receive a fair share of the tax benefits offered through these plans, non-discrimination testing rules apply to prevent plans from allowing highly paid individuals to benefit at a higher percentage than non-highly paid individuals. Depending on the results of the testing, a highly compensated team member may not be eligible to contribute the maximum amount to an FSA. You will be notified if this applies to you.[/et_pb_text][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<h3><span style="color: #3575ae;"><strong>COBRA benefits by Health Equity </strong></span></h3>
<span style="color: #000000;">Beginning Jan. 1, 2023, benefit coverage ends on the date of your job change, qualifying life event or termination. Health Equity will send you a packet in the mail with your benefit options, costs, etc. for you to decide if you want to continue your benefits. If you elect COBRA, coverage will begin the day after your Banner benefits end. The first month's COBRA payment will be pro-rated for the days you are covered. You will have the option to elect up to 18 months of COBRA (other special circumstances-could allow longer timeframe).  [/et_pb_text][et_pb_text _builder_version="4.27.0" _module_preset="default" global_colors_info="{}"]<p><span style="color: #000000;">Log in to your account at <strong><a href="http://healthequity.com/ed/BannerHealth" target="_blank" rel="noopener">healthequity.com/ed/BannerHealth</a></strong> to manage your FSA.</span></p>[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built="1" admin_label="ASK ALEX - ENROLL NOW" 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" collapsed="on" 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" hover_enabled="0" global_colors_info="{}" sticky_enabled="0"]<span style="color: #e1e1e1;"><a href="https://start.myalex.com/bannerhealth" style="color: #e1e1e1;">Ask ALEX</a></span>
<span style="color: #e1e1e1;"><a href="http://myhr.bannerhealth.com/" style="color: #e1e1e1;">Enroll Now</a></span>
<span style="color: #e1e1e1;"><a href="http://flimp.live/banner-resident-fellow-24" style="color: #e1e1e1;">Residents &amp; Fellows</a></span>
<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]