Cuenta de Ahorros para la Salud
Tax-free money for health care — and if you contribute anything at all, Dexter adds to it.
If you enroll in the CDHP $3,500 or CDHP $2,000 plan you may be eligible to open a Health Savings Account (HSA) through Lively. An HSA makes it easy to pay for eligible health care expenses not covered by your medical, dental or vision plan — now and in the future.
A partir del 1 de enero de 2027
In 2027 the IRS limits rise to $4,500 for individual coverage and $9,000 for family coverage, plus $1,000 more if you are 55 or older. Dexter’s contribution stays the same. HSA elections do not roll over: to contribute in 2027, elect your amount in ADP by November 6, 2026. Descubre qué cambios habrá en 2027.
Requisitos de elegibilidad
To contribute to an HSA:
- You must be enrolled in a qualified high-deductible health plan, such as one of the Dexter CDHPs.
- You cannot be covered under another non-qualified health plan, including your spouse’s Health Care FSA.
- You cannot be enrolled in Medicare or Tricare.
- You cannot be claimed as a dependent on someone else’s tax return.
Why an HSA is worth it
- Contribute any amount and Dexter adds free money to your account.
- Set aside tax-free money for out-of-pocket health care expenses.
- Paying for qualified expenses and earnings on the account are both tax-free — just use your Lively debit card.
- The account is yours. If you leave the company, it goes with you.
- All unused funds roll over year to year.
- An HSA can become a strong retirement savings account for health care.
Contribution limits
You contribute pre-tax dollars from your paycheck up to the IRS limit.
When you contribute, Dexter will also contribute to your HSA twice during the year:
- February — you must actively contribute as of January 1 to qualify
- August — you must actively contribute as of July 1 to qualify
If you’re age 55+, you can contribute an additional $1,000 in catch-up contributions.
| Medical plan | Dexter’s annual contribution | Maximum employee contribution | 2026 IRS limit |
|---|---|---|---|
| CDHP $3,500 — individual | $250 | $4,150 | $4,400 |
| CDHP $3,500 — family | $500 | $8,250 | $8,750 |
| CDHP $2,000 — individual | $500 | $3,900 | $4,400 |
| CDHP $2,000 — family | $1,000 | $7,750 | $8,750 |
Investing your HSA
When your account balance reaches $3,000, you can invest your contributions with no access fee. The account can grow much like a 401(k).
If you want to start investing before your balance reaches $3,000, you can pay a $24 annual access fee through Lively. Call 888-576-4837 for details.
Manage Your HSA
Sign in to Lively to set your contribution, use your debit card, submit expenses or start investing.
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