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. UNE will provide the employer HSA contribution on a per pay period basis. UNE will contribute up to $2,600 annually to an eligible participating employee’s HSA account. 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.

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.

Things to consider before electing an HDHP/HSA plan

  • You cannot elect this plan if you have a Medical Flexible Spending Account or if you have other coverage such as Medicare Part A.  If you are considering enrolling in Medicare Part A please review Deciding Whether to Enroll in Medicare Part A & B When You Turn 65 (PDF)
  • If you elect the H.S.A. medical insurance plan and finally decide to enroll in Medicare after delaying it, you should stop contributing to your H.S.A. (including UNE’s employer contributions) at least six months in advance of enrolling in Medicare. Otherwise you may be hit with a tax penalty because Part A of Medicare provides six months of retroactive coverage upon enrollment.  You should contact a UNE Human Resources representative at least six months in advance to complete the necessary paperwork to stop H.S.A. contributions.
  • 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 2/24/2021, you are not permitted to use HSA funds for any dates of service prior to 2/24/2021.

Plan Costs

Costs for full-time employee HDHP/HSA plan

  12-month pay structure 9-month pay structure
Single $64.34 $85.78
One parent and children $159.16 $212.20
Two adults $310.48 $413.98
Family $331.94 $442.60

Costs for half-time employee HDHP/HSA plan

  12-month pay structure 9-month pay structure
Single $101.86 $135.82
One parent and children $547.66 $730.20
Two adults $778.76 $1,038.34
Family $876.18 $1,168.24

HSA Maximum Contributions

Individual Plan $3,600 (including UNE's contribution)
Family Plan $7,200 (including UNE's contribution)
Age 55+ catch-up Additional $1,000

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 (PDF). Note that eligible expenses may not apply to your deductible or maximum out of pocket. See your plan for more details.

Medicare

Deciding Whether to Enroll in Medicare Part A & B When You Turn 65 (PDF)

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