<p><div class="et_pb_section et_pb_section_0 et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_0">
				<div class="et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_module et_pb_slider et_pb_slider_0 et_pb_slider_fullwidth_off">
				<div class="et_pb_slides">
					<div class="et_pb_slide et_pb_slide_0 et_pb_bg_layout_dark et_pb_media_alignment_center et-pb-active-slide" data-slide-id="et_pb_slide_0">
				
				
				<div class="et_pb_container clearfix">
					<div class="et_pb_slider_container_inner">
						
						<div class="et_pb_slide_description">
							<div class="et_pb_slide_content">High-Deductible HealthPlans (HDHPs) and the HealthSavings Account (HSA)<br />
How they work together to save you money</div>
							
						</div>
					</div>
				</div>
				
				
				
			</div>
			
				</div>
				
			</div>
			
			</div>
				
				
				
				
			</div>
				
				
			</div><div class="et_pb_section et_pb_section_1 kmod2 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_1">
				<div class="et_pb_column et_pb_column_1_2 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough">
				
				
				
				
				<div class="et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">What is an HDHP?<br />
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.</div>
			</div>
			</div><div class="et_pb_column et_pb_column_1_2 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">What is an HSA?<br />
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.</div>
			</div>
			</div>
				
				
				
				
			</div>
				
				
			</div><div class="et_pb_section et_pb_section_2 kmod2 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_2">
				<div class="et_pb_column et_pb_column_1_2 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough">
				
				
				
				
				<div id="working-spouse-surcharge" class="et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_dark">
				
				
				
				
				<div class="et_pb_text_inner">How do an HDHP and an<br />
HSA work together?<br />
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.<br />
Refer to IRS Publication 502 for a list of the qualified health care expenses.</div>
			</div>
			</div><div class="et_pb_column et_pb_column_1_2 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_module et_pb_slider et_pb_slider_1 et_pb_slider_fullwidth_off">
				<div class="et_pb_slides">
					<div class="et_pb_slide et_pb_slide_1 et_pb_bg_layout_dark et_pb_media_alignment_center et-pb-active-slide" data-slide-id="et_pb_slide_1">
				
				
				<div class="et_pb_container clearfix">
					<div class="et_pb_slider_container_inner">
						
						<div class="et_pb_slide_description">
							<h2 class="et_pb_slide_title">Save on health care. Stay in the Banner Health Network.</h2><div class="et_pb_slide_content">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.</div>
							
						</div>
					</div>
				</div>
				
				
				
			</div>
			
				</div>
				
			</div>
			
			</div>
				
				
				
				
			</div>
				
				
			</div><div class="et_pb_section et_pb_section_3 kmod2 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_3">
				<div class="et_pb_column et_pb_column_1_2 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough">
				
				
				
				
				<div class="et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><div id="footable_parent_6032"
         class=" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui colored_table">
                <table data-ninja_table_instance="ninja_table_instance_0" data-footable_id="6032" data-filter-delay="1000" aria-label="HSA"            id="footable_6032"
           data-unique_identifier="ninja_table_unique_id_372871426_6032"
           class=" foo-table ninja_footable foo_table_6032 ninja_table_unique_id_372871426_6032 ui table  nt_type_ajax_table selectable striped vertical_centered ninja_custom_color inverted footable-paging-right ninja_table_search_disabled ninja_table_pro">
                <colgroup>
                            <col class="ninja_column_0 ">
                            <col class="ninja_column_1 ">
                            <col class="ninja_column_2 ">
                    </colgroup>
            </table>
                    <style type="text/css" id='ninja_table_custom_css_6032'>
                        #footable_6032  {
    font-family: inherit;
    font-size: 14px;
    }


    #footable_6032 tbody tr td span.fooicon-plus:before {
    background-color: rgba(0, 0, 0, 1) !important;
    }
    #footable_6032 tbody tr td span.fooicon-minus:before {
    background-color: rgba(0, 0, 0, 1) !important;
    }

    #footable_6032 tbody tr:hover td span.fooicon-plus:before {
    background-color: rgba(0, 0, 0, 1) !important;
    }
    #footable_6032 tbody tr:hover td span.fooicon-minus:before {
    background-color: rgba(0, 0, 0, 1) !important;
    }

    #footable_6032 thead tr.footable-header th span::before {
    background-color: rgba(255, 255, 255, 1) !important;
    }
    #footable_6032,
    #footable_6032 table {
    background-color: rgba(255, 255, 255, 1) !important;
    color: rgba(0, 0, 0, 1) !important;
    border-color:  !important;
    }
    #footable_6032 thead tr.footable-filtering th {
    background-color:  !important;
    color:  !important;
    }
    #footable_6032:not(.hide_all_borders) thead tr.footable-filtering th {
            border : 1px solid transparent !important;
        }
    #footable_6032 .input-group-btn:last-child > .btn:not(:last-child):not(.dropdown-toggle) {
    background-color:  !important;
    color:  !important;
    }
    #footable_6032 tr.footable-header, #footable_6032 tr.footable-header th, .colored_table #footable_6032 table.ninja_table_pro.inverted.table.footable-details tbody tr th {
    background-color: rgba(53, 116, 174, 1) !important;
    color: rgba(255, 255, 255, 1) !important;
    }
    
        #footable_6032 tbody tr:hover {
    background-color: rgba(232, 232, 232, 1) !important;
    color: rgba(0, 0, 0, 1) !important;
    }
    #footable_6032 tbody tr:hover td {
    border-color:  !important;
    }
            #footable_6032 tbody tr:nth-child(even) {
        background-color:  !important;
        color:  !important;
        }
        #footable_6032 tbody tr:nth-child(odd) {
        background-color: rgba(249, 249, 249, 1) !important;
        color: rgba(0, 0, 0, 1) !important;
        }
        #footable_6032 tbody tr:nth-child(even):hover {
        background-color: rgba(232, 232, 232, 1) !important;
        }
        #footable_6032 tbody tr:nth-child(odd):hover {
        background-color: rgba(232, 232, 232, 1) !important;
        }

        #footable_6032 tbody tr:nth-child(even) td span.fooicon-plus:before {
        background-color:  !important;
        }
        #footable_6032 tbody tr:nth-child(even) td span.fooicon-minus:before {
        background-color:  !important;
        }

        #footable_6032 tbody tr:nth-child(odd) td span.fooicon-plus:before {
        background-color: rgba(0, 0, 0, 1) !important;
        }
        #footable_6032 tbody tr:nth-child(odd) td span.fooicon-minus:before {
        background-color: rgba(0, 0, 0, 1) !important;
        }

        #footable_6032 tbody tr:nth-child(even) tr:hover td span.fooicon-plus:before {
        background-color:  !important;
        }
        #footable_6032 tbody tr:nth-child(even) tr:hover td span.fooicon-minus:before {
        background-color:  !important;
        }

        #footable_6032 tbody tr:nth-child(odd) tr:hover td span.fooicon-plus:before {
        background-color: rgba(0, 0, 0, 1) !important;
        }
        #footable_6032 tbody tr:nth-child(odd) tr:hover td span.fooicon-minus:before {
        background-color: rgba(0, 0, 0, 1) !important;
        }
    
    #footable_6032 tfoot .footable-paging {
    background-color:  !important;
    }
    #footable_6032 tfoot .footable-paging .footable-page.active a {
    background-color:  !important;
    }
    #footable_6032:not(.hide_all_borders) tfoot tr.footable-paging td {
    border-color:  !important;
    }
    
#footable_parent_6032 th.ninja_column_0.ninja_clmn_nm_blank {
background-color: white !important;
}
table#footable_6032 {
border: 0 !important;
}#footable_6032 td.ninja_column_1 { text-align: center; }#footable_6032 th.ninja_column_1 { text-align: center; }#footable_6032 td.ninja_column_2 { text-align: center; }#footable_6032 th.ninja_column_2 { text-align: center; }#footable_6032 thead tr th.ninja_column_0,#footable_6032 tbody tr td.ninja_column_0{ background-color: rgba(71, 140, 77, 0); color: rgba(0, 0, 0, 1); }                </style>
                
    
    
</div>
</div>
			</div><div class="et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">Banner Health’s contribution does count toward annual maximum.</div>
			</div>
			</div><div class="et_pb_column et_pb_column_1_2 et_pb_column_6  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">How much should I contribute to an HSA?<br />
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.</div>
			</div><div class="et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">Here are some suggestions on what amount to contribute to an HSA:</p>
<p>	At least the amount of your deductible, so you’re ready for those expenses you would have to pay out of pocket<br />
	The amount you’re saving on your premiums<br />
	The maximum allowed by the IRS to benefit from the tax advantages<br />
	Don’t forget about non-covered dental and vision expenses; HSA contributions can be used for those services as well</p>
<p>&nbsp;</div>
			</div>
			</div>
				
				
				
				
			</div>
				
				
			</div><div class="et_pb_section et_pb_section_4 kmod2 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_4">
				<div class="et_pb_column et_pb_column_2_3 et_pb_column_7  et_pb_css_mix_blend_mode_passthrough">
				
				
				
				
				<div class="et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">More ways to grow your savings<br />
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.</div>
			</div>
			</div><div class="et_pb_column et_pb_column_1_3 et_pb_column_8  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_button_alignment_center et_pb_module  dbdb-icon-on-right dbdb-icon-on-hover">
				<a class="et_pb_button et_pb_button_0 et_pb_bg_layout_light" href="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/hsa-fsa/" target="_blank">Health Savings and Spending Accounts</a>
			</div><div class="et_pb_button_module_wrapper et_pb_button_1_wrapper et_pb_button_alignment_center et_pb_module  dbdb-icon-on-right dbdb-icon-on-hover">
				<a class="et_pb_button et_pb_button_1 et_pb_bg_layout_light" href="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/medical/" target="_blank">Medical Plan Options</a>
			</div>
			</div>
				
				
				
				
			</div>
				
				
			</div><div class="et_pb_section et_pb_section_5 kmod2 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_5">
				<div class="et_pb_column et_pb_column_1_2 et_pb_column_9  et_pb_css_mix_blend_mode_passthrough">
				
				
				
				
				<div class="et_pb_button_module_wrapper et_pb_button_2_wrapper et_pb_button_alignment_center et_pb_module  dbdb-icon-on-right dbdb-icon-on-hover">
				<a class="et_pb_button et_pb_button_2 et_pb_bg_layout_light" href="https://start.myalex.com/bannerhealth" target="_blank">ASK ALEX</a>
			</div>
			</div><div class="et_pb_column et_pb_column_1_2 et_pb_column_10  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_button_module_wrapper et_pb_button_3_wrapper et_pb_button_alignment_center et_pb_module  dbdb-icon-on-right dbdb-icon-on-hover">
				<a class="et_pb_button et_pb_button_3 et_pb_bg_layout_light" href="https://myhr.bannerhealth.com/" target="_blank">ENROLL NOW</a>
			</div>
			</div>
				
				
				
				
			</div>
				
				
			</div><div class="et_pb_section et_pb_section_6 et_pb_with_background et_section_regular" >
				
				
				
				
				
				
				<div class="et_pb_row et_pb_row_6">
				<div class="et_pb_column et_pb_column_1_3 et_pb_column_11  et_pb_css_mix_blend_mode_passthrough">
				
				
				
				
				<div class="et_pb_module et_pb_text et_pb_text_8  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner">Ask ALEX<br />
Enroll Now<br />
Residents &amp; Fellows<br />
Benefits Resource Center: 833-849-9825</div>
			</div>
			</div><div class="et_pb_column et_pb_column_1_3 et_pb_column_12  et_pb_css_mix_blend_mode_passthrough">
				
				
				
				
				<div class="et_pb_with_border et_pb_module et_pb_search et_pb_search_0  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				<form role="search" method="get" class="et_pb_searchform" action="https://lsk.yzp.mybluehost.me/website_bb9f9e7d/">
					<div>
						<label class="screen-reader-text" for="s">Search for:</label>
						<input type="text" name="s" placeholder="" class="et_pb_s" />
						<input type="hidden" name="et_pb_searchform_submit" value="et_search_proccess" />
						
						<input type="hidden" name="et_pb_include_posts" value="yes" />
						<input type="hidden" name="et_pb_include_pages" value="yes" />
						<input type="submit" value="Search" class="et_pb_searchsubmit">
					</div>
				</form>
			</div><div class="et_pb_module et_pb_text et_pb_text_9  et_pb_text_align_center et_pb_bg_layout_light">
				
				
				
				
				<div class="et_pb_text_inner"><div class="printfriendly pf-button  pf-alignleft">
                    <a href="#" rel="nofollow" onclick="window.print(); return false;" title="Printer Friendly, PDF & Email">
                    <img data-recalc-dims="1" decoding="async" class="pf-button-img" src="https://i0.wp.com/cdn.printfriendly.com/buttons/printfriendly-pdf-email-button-notext.png?w=1080&#038;ssl=1" alt="Print Friendly, PDF & Email" style="width: 110px;height: 30px;"  />
                    </a>
                </div></div>
			</div>
			</div><div class="et_pb_column et_pb_column_1_3 et_pb_column_13  et_pb_css_mix_blend_mode_passthrough et-last-child">
				
				
				
				
				<div class="et_pb_module et_pb_image et_pb_image_0">
				
				
				
				
				<span class="et_pb_image_wrap "><img data-recalc-dims="1" decoding="async" width="500" height="91" src="https://i0.wp.com/bannerbenefits.mybenefitport.com/wp-content/uploads/2024/06/logo-white.png?resize=500%2C91&#038;ssl=1" alt="" title="logo-white" srcset="https://i0.wp.com/bannerbenefits.mybenefitport.com/wp-content/uploads/2024/06/logo-white.png?w=500&ssl=1 500w, https://i0.wp.com/bannerbenefits.mybenefitport.com/wp-content/uploads/2024/06/logo-white.png?resize=300%2C55&ssl=1 300w, https://i0.wp.com/bannerbenefits.mybenefitport.com/wp-content/uploads/2024/06/logo-white.png?resize=480%2C87&ssl=1 480w" sizes="(max-width: 500px) 100vw, 500px" class="wp-image-5752" /></span>
			</div><div class="et_pb_module et_pb_text et_pb_text_10  et_pb_text_align_left et_pb_bg_layout_light">
				
				
				
				
				
			</div>
			</div>
				
				
				
				
			</div>
				
				
			</div></p>
