This plan offers a high deductible health plan with an associated Health Savings Account (HSA) account. You receive 90% coverage for in-network services after the deductible is met and have the option for out-of-network services. Monthly premiums are the lowest of the three health plan options and UNE will provide up to $2,600 to eligible participants' 2020 HSA ($1,300 in January and $1,300 in July). Participants also have the option to contribute additional money to their HSA (within limitations set by the IRS). Under the HSA plans, unused contributions may be rolled from calendar year to calendar year.

*You cannot elect this plan if you have a Medical Flexible Spending Account or if you have other coverage such as Medicare Part A.

Note: HSA funds cannot be used for expenses incurred prior to the setup/opening of the HSA account with Benefit Wallet. Example: If you open your account on 2/24/2020, you are not permitted to use HSA funds for any dates of service prior to 2/24/2020.

Special note regarding COVID19: The CARES Act (PDF), which took effect on March 27, 2020, now permits FSA and HSA reimbursement of over-the-counter products without the need of a prescription, along with menstrual products.

Plan Costs

Full-Time HDHP/HSA


12-Month Pay Structure

9-Month Pay Structure


$62.46 $83.28
One Parent & Child/ren $154.52 $206.03
Two Adult $301.43 401.91
Family $322.28 $429.71

Half-Time HDHP/HSA


12-Month Pay Structure

9-Month Pay Structure


$98.90 $131.87
One Parent & Child(ren) $531.71 $708.95
Two Adult $756.07 $1,008.09
Family $850.65 $1,134.20

HSA Maximum Contributions


Individual Plan $3,550 (inclusive of UNE contribution)
Family Plan $7,100 (inclusive of UNE contribution)

Age 55+ Catch-up

Additional $1,000


BenefitWallet is where your 2020 HSA contributions will be made. Whether you have used a Health Savings Account previously or not, you may have questions about your HSA account.  

Health Online

Create an account with Harvard Pilgrim online to access information about your medical health plan.

Other Resources

  • Health Advocate: Utilize this free and confidential service to compare the three plans to help choose the one appropriate for you. Call to speak to a representative who can help.
  • Eligible Expenses: View the purchases you can make using your HSA Account under IRS guidelines. Note that eligible expenses may not apply to your deductible or maximum out of pocket. See your plan for more details.
  • Changes to your HSA When You Reach 65

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