Health Savings Account (HSA)

The HDHP + HSA plan provides the lowest monthly premiums for employees. Like the traditional HMO, this plan requires you to stay in the Kaiser or CHP Group networks in order to receive coverage.

It has two parts: a high deductible, HSA-compatible medical plan, and a Health Savings Account (HSA) with a triple tax advantage.

You are only eligible to sign up for the Health Savings Account (HSA) if you are also enrolled in the HDHP.

Here’s how it works:

HDHP:

• You pay the total cost out-of-pocket for all healthcare services and prescriptions, except your annual preventative visit.
• Once you meet your deductible, the plan will pay its share of the cost as listed in the Summary of Benefits.
• Once you meet your out-of-pocket maximum, the plan will pay the total cost for any services for the rest of the calendar year.

HSA:

• Your Health Savings Account is administered through Allegiance.
• Allegiance will provide a debit card connected to your HSA account, and you can use this card to pay for any qualified healthcare expenses, including those that apply to your deductible and out-of-pocket maximums.
• Lewis & Clark will contribute to employees’ HSA accounts:
  • $83.33 per month, not to exceed $1,000 annually for individuals with employee-only coverage
  • $166.66 per month, not to exceed $2,000 annually for individuals with employee + spouse or employee + family coverage
• You can also contribute to the HSA pre-tax, and you can change your monthly contribution through Workday any time during the year.
• Triple Tax‐Advantage:
  • Contribute pre-tax money through payroll deductions
  • Funds accrue tax‐free and are invested tax-free
  • Funds can be withdrawn tax‐free (if used for eligible medical expenses)

A quick overview of coverage after your deductible is met:

• Primary Care:
  • $5 for first 3 visits, then $10 for additional visits
• Lab Testing, Imaging, and Special Diagnostics:
  • 10% coinsurance after deductible
• Prescription Coverage:
  • $15 generic
  • $30 preferred
  • $50 non-preferred
  • $150 specialty

Plan Documents:

2025 HDHP Summary of Benefits

2025 HDHP Summary of Medical Benefits and Coverage

Allegiance HSA Advantage

Health Savings Account Reimbursement List

2025 IRS Limits for HSA Contributions:

Employee and employer contributions have a combined IRS maximum amount. This means that together, yours and Lewis & Clark’s contributions cannot exceed:

• $4,300 for individuals
• $8,550 for family coverage

If you are 55 or older, you can contribute an additional catch-up contribution of:

• $1,000 for individuals

OR

If you and your spouse are both 55 or older and have separate HSA accounts, you can contribute an additional catch-up contribution of:

• $1,000 in each account