About your HDHP with HSA

The High Deductible Health Plan (HDHP) associated with the Health Savings Account (HSA) is a point-of-service plan offering you flexibility for your health care needs. Monthly premiums are the lowest of the three health plan options. UNE will contribute up to $2,600/year to an eligible participating employee's HSA account. Employer HSA contributions are made on a per-pay-period basis. 

Things to consider before electing an HDHP/HSA plan

  • View the Benefit Guide (PDF) for the monthly plan premiums.
  • Do not 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 and B When You Turn 65 (PDF)
  • If you elect the HSA medical insurance plan and decide to enroll in Medicare after delaying it, you should stop contributing to your HSA (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 HSA contributions.
  • HSA funds cannot be used for expenses incurred prior to the setup/opening of the HSA Bank account. Example: If you open your account on 2/24/2024, you are not permitted to use HSA funds for any dates of service prior to 2/24/2024.
  • HSA funds may be used for you and your spouse; all dependents you claim on your tax return; and any person you could have claimed as a dependent on your return (with some exceptions). Your domestic partner may not use your HSA contribution to pay for their medical expenses regardless of medical coverage under your high deductible health plan. This is subject to change per the IRS. See the IRS guidelines for the most up to date information regarding the use of HSA funds

2024 HSA Maximum Contributions

Plan Maximum Contribution Amount
Individual Plan $4,150 (including UNE's contribution)
Family Plan $8,300 (including UNE's contribution)
Age 55+ catch-up Additional $1,000

HSA Bank

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

On HSA Bank’s website members can find a variety of resources, including:

  • Why Open an HSA
  • How to Use Your HSA
  • HSAs to Z
  • Tools to Manage your HSA
  • Transfer/Rollover HSA Funds
  • HSA Self-Directed Investment Options
  • Mobile Payments
  • How to Access Tax Info
  • Member FAQ
  • And more!

Client Assistance Center (for members)


  • English: 1 (800) 357-6246 or (414) 978-5294
  • Spanish: (866) 357-6232

Available 24 hours a day, 7 days a week.
Email: askus@hsabank.com

Lost or Stolen Debit Card?

During business hours, contact the Client Assistance Center: 1 (800) 357-6246 or (414) 978-5294. On holidays call 1 (800) 523-4175.

Health Online

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