Overview
If you enroll in the $3,300 HDHP with HSA or the $3,300 HMO HDHP with HSA, you are eligible to enroll in and contribute to a Health Savings Account (HSA). An HSA is a tax-advantaged savings account that you can use to pay for current or future qualified health care expenses.
WinnCompanies will contribute $500 for team member-only coverage and $1,000 for employee +1 and Family coverage. You can also contribute to your HSA on a pre-tax basis, which saves you money by lowering the amount you pay in income taxes. You must open your HSA on Aptia365 to receive WinnCompanies’ contribution and the contributions you elected.
You will receive half of your contribution in January 2025, and the second half in July 2025. You must be employed at time of distribution in order to receive HSA contributions from WinnCompanies.
Put money in tax-free.
- Contribute to your HSA through pre-tax payroll deductions (up to IRS annual limits).
- Change your contribution amount anytime through the Aptia365 website.
Get company contributions.
- $500 for team member-only coverage
- $1,000 if you cover dependents
Pay for care tax-free.*
- Pay for eligible medical, dental, and vision expenses for you and your family using your HSA debit card** (provided sufficient funds are in your account).
- Track your spending, check your balance, reimburse yourself, and more on the Aptia365 website or the Accounts by Aptia365 mobile app.
Carry unused money over.
- All the money in your HSA is yours to keep, year after year.
- You can build up savings to pay for future health care expenses. You can even invest your money once it reaches a minimum balance, which gives you the potential for tax-free earnings growth and a way to plan ahead for your medical costs in retirement.
Contribution Limits
In 2025, the limits on total contributions to your account (from you and WinnCompanies combined) are:
- Up to $4,300 for team member-only coverage
- Up to $8,550 for family coverage
WinnCompanies will contribute $500 for individual coverage and $1,000 for employee +1 and Family coverage.
Add $1,000 to these limits if you’re age 55 or older.
Plan for the future
Setting aside tax-free money in your HSA is a great way to save money on income taxes now, while building up funds to use in the future.
Eligible Health Care Expenses
Some examples may include:
- Office visits
- Prescription drugs
- Hospital stays
- Speech/occupational/physical therapy
- Dental and vision care
- Lab work
For a complete list of eligible expenses, visit www.irs.gov and see Publication 502.
Reminder: Keep documentation to support your use of the money in these accounts for tax purposes.
*Money in an HSA can be withdrawn tax-free as long as it is used to pay for qualified health-related expenses. If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn, plus a 20% penalty tax if you withdraw the money before age 65.
**NOTE: You’ll receive only one debit card to use for all of your Aptia365 supported accounts.