{"id":9066,"date":"2019-10-11T15:26:02","date_gmt":"2019-10-11T22:26:02","guid":{"rendered":"https:\/\/in.nau.edu\/human-resources\/?page_id=9066"},"modified":"2026-10-05T16:51:26","modified_gmt":"2026-10-05T16:51:26","slug":"nau-hdhp-hsa","status":"publish","type":"page","link":"https:\/\/in.nau.edu\/human-resources\/nau-hdhp-hsa\/","title":{"rendered":"Benefits &#8211; HDHP\/HSA Info"},"content":{"rendered":"<h1>Health Care Savings Account<\/h1>\n<p>If you enroll in one of the High Deductible Health Plans (HDHP) NAU offers, you may be eligible to open a Health Care Savings Account (HSA) making it easier to pay for eligible health care expenses not covered by your medical dental or vision plans.<\/p>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<div class='shortcode-column-container'><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<h2><strong>Benefits of an HSA<\/strong><\/h2>\n<ul>\n<li>Each pay period NAU contributes your account!<\/li>\n<li>You can also make pre-tax contributes to your account.<\/li>\n<li>You can pay for qualified expenses tax free.<\/li>\n<li>Unused funds rollover year to year.<\/li>\n<li>Your account is yours and goes with you if you leave NAU.<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<h4><img decoding=\"async\" class=\"alignnone wp-image-17858\" src=\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/06\/savings-photo-by-andre-taissin-on-unsplash-464x348.jpg\" alt=\"Image of piggybank and coins photo by andre taissin on unsplash\" width=\"490\" height=\"368\" srcset=\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/06\/savings-photo-by-andre-taissin-on-unsplash-464x348.jpg 464w, https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/06\/savings-photo-by-andre-taissin-on-unsplash-800x600.jpg 800w, https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/06\/savings-photo-by-andre-taissin-on-unsplash-232x174.jpg 232w\" sizes=\"(max-width: 490px) 100vw, 490px\" \/><\/h4>\n\n<\/div>\n<\/div>\n<h4><\/h4>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h2><strong>Amount you can contribute in 2026<\/strong><\/h2>\n<p>Each year you can contribute up to the annual IRS limit less the amount NAU contributes.<div class='shortcode-column-container'><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<h4><strong>Employee coverage<\/strong><\/h4>\n<ul>\n<li>IRS Maximum: <strong>$4,400<\/strong><\/li>\n<li>NAU Annual Contribution: <strong>$820<\/strong><\/li>\n<li>Your maximum contribution: <strong>$3,580<\/strong><\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<h4><strong>Dependent\\family coverage\u00a0<\/strong><\/h4>\n<ul>\n<li>IRS Maximum: <strong>$8,750<\/strong><\/li>\n<li>NAU Annual Contribution:<strong> $1,640<\/strong><\/li>\n<li>Your maximum contribution: <strong>$7,110<\/strong><\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p><em>If you are 55+ you can contribute an additional $1,000<\/em><\/p>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\"><!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"2027 HSA Contributions and Limits_0\" id=\"shortcode-accordion-1-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-1-panel\">\n            2027 HSA Contributions and Limits\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-1-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-1-trigger\" inert>\n        <html><body>\n<h4><strong>NAU HDHP\\HSA\u00a0\u00a0<\/strong><\/h4>\n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<p><strong>Employee<\/strong><\/p>\n<ul>\n<li>Annual IRS Maximum:\u00a0<strong>$4,500<\/strong><\/li>\n<li>NAU Annual Contribution: <strong>$1,000\u00a0<\/strong><\/li>\n<li>Your maximum contribution:\u00a0<strong>$3,500<\/strong>.<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<p><strong>Dependent\\family coverage\u00a0<\/strong><\/p>\n<ul>\n<li>Annual IRS Maximum: <strong>$9,000<\/strong><\/li>\n<li>NAU Annual Contribution: <strong>$2,000<\/strong><\/li>\n<li>Your maximum contribution:\u00a0<strong>$7,000<\/strong><\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p><em>If you are 55+ you can contribute an additional $1,000<\/em><\/p>\n<p>To help employees cover out-of-pocket expenses incurred in the beginning of the year, NAU will contribute 50% in January, 25% July and 25% in October.<\/p>\n<h4><strong>State of AZ HDHP\\HSA<\/strong><\/h4>\n<div class=\"shortcode-column-container\"><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<p><strong>Employee<\/strong><\/p>\n<ul>\n<li>Annual IRS Maximum: $4,500<\/li>\n<li>NAU Annual Contribution: $720<\/li>\n<li>Employee Amount: $3,780.<\/li>\n<\/ul>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<p><strong>\u00a0Dependent\\Family<\/strong><\/p>\n<ul>\n<li>Annual IRS Maximum: $9,000<\/li>\n<li>NAU Annual Contribution: $1,440<\/li>\n<li>Your maximum contribution: $7,560.<\/li>\n<\/ul>\n\n<\/div>\n<\/div>\n<p><em>If you are 55+ you can contribute an additional $1,000<\/em><\/p>\n<\/body><\/html>\n    <\/div>\n<\/div>\n\n<div class=\"eplus-bg-color-row bg-color-dark-blue\"><div class=\"eplus-bg-color-row-content\">\n<p><strong>Rules to remember<\/strong><\/p>\n<ul>\n<li>You can\u2019t have other health coverage that pays for out-of-pocket health care expenses before you meet your plan deductible including Medicare, TRICARE.<\/li>\n<li>You can\u2019t have received Veterans Administration (VA) benefits or Indian Health Service (IHS) benefits in the three previous months.<\/li>\n<li>You or your spouse can\u2019t have a Healthcare FSA or Health Reimbursement Account (HRA) in the same year that you have an HSA.<\/li>\n<li>You cannot be claimed as a dependent on another\u2019s tax return.<\/li>\n<\/ul>\n<\/div><\/div>\n<h2><strong>More information<\/strong><\/h2>\n<p>Contact your HSA administrator for more information on how your HSA account will work.<\/p>\n<ul>\n<li>If you are enrolled in the <strong>NAU HDHP, <\/strong>visit the <a href=\"https:\/\/www.healthequity.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Health Equity<\/a> website<\/li>\n<li>If you are enrolled in the <strong>State of AZ<\/strong> <strong>HDHP<\/strong>, visit the <a href=\"https:\/\/www.optumbank.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Optum <\/a>website<\/li>\n<\/ul>\n<p>Refer to <a href=\"https:\/\/www.irs.gov\/pub\/irs-pdf\/p969.pdf\">IRS publication 969<\/a> for a complete list of eligible expenses and HSA rules.<\/p>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h2 style=\"text-align: left\">Still have questions?<\/h2>\n<p style=\"text-align: left\">Contact the Benefits Team at nauhrbenefits@nau.edu or call (928) 523-2223.<\/p>\n<p><strong><!-- shortcode-right-column -->\n<div class=\"shortcode-right-column\" >\n    <div class=\"shortcode-right-column__container\"><\/strong><\/p>\n<h4 style=\"text-align: center\"><div class=\"eplus-bg-color-row bg-color-nau-yellow\"><div class=\"eplus-bg-color-row-content\"><a href=\"https:\/\/in.nau.edu\/human-resources\/benefits-faqs-health-care-savings-account\/\" target=\"_blank\" rel=\"noopener noreferrer\">Questions?? Review\u00a0 FAQs<\/a><\/div><\/div><\/h4>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-30px not-in-view\">\n<p><strong><!-- shortcode-block -->\n<div class=\"shortcode-block\">\n      <div class=\"block-header\">\n        <h3>Resources<\/h3>\n    <\/div>\n      <\/div>\n<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2025\/09\/2026-VOLUNTARY-COMPARE.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Overview<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/human-resources\/paying-your-premiums\/\" target=\"_blank\" rel=\"noopener\">Employee Benefit Premiums<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/human-resources\/enrolling-in-benefits\/\" target=\"_blank\" rel=\"noopener\">Changing Your Benefits<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2025\/09\/DRAFT-Compare-PPO-vs-HDHPHSA-.pdf\" target=\"_blank\" rel=\"noopener\">Compare PPO vs HDHPHSA Premium Savings &amp; Out of Pocket Expenses<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/human-resources\/benefits-orientation-videos\/\" target=\"_blank\" rel=\"noopener\">Orientation Videos<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/human-resources\/benefit-plan-document\/\" target=\"_blank\" rel=\"noopener\">Benefit Plan Documents and Policies<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/human-resources\/benefit-contact-information\/\" target=\"_blank\" rel=\"noopener\">Benefits Vendor Contact Information<\/a><\/li>\n<li><a href=\"https:\/\/hr.peoplesoft.nau.edu\/\" target=\"_blank\" rel=\"noopener\">LOUIE HR<\/a><\/li>\n<li><a href=\"https:\/\/www.azblue.com\/pharmacy\/standard-pharmacy-plans\" target=\"_blank\" rel=\"noopener\">BCBSAZ Open Drug List<\/a><\/li>\n<li><a href=\"https:\/\/fm.formularynavigator.com\/fbo\/68\/hsa_preventive_drug_list.pdf\" target=\"_blank\" rel=\"noopener\">HSA Preventive Drug List<\/a><\/li>\n<li><a href=\"https:\/\/www.goodrx.com\/?srsltid=AU7gw4WI3ZhN8GD7AqLA_POOI8WY17IDj1UHf6Zl_fnJfoChcjZ-weeu\" target=\"_blank\" rel=\"noopener\">Good RX<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Health Care Savings Account If you enroll in one of the High Deductible Health Plans (HDHP) NAU offers, you may be eligible to open a Health Care Savings Account (HSA) making it easier to pay for eligible health care expenses not covered by your medical dental or vision plans. Amount you can contribute in 2026 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3588,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ring_central_script_selection":"","footnotes":""},"class_list":["post-9066","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/9066","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=9066"}],"version-history":[{"count":8,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/9066\/revisions"}],"predecessor-version":[{"id":24849,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/9066\/revisions\/24849"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/media\/3588"}],"wp:attachment":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=9066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}