18 of 39 Before You Go How You Pay for Care Special Programs and Services Learn More Using the HSA Plan First, Fund Your HSA With the HSA Plan, you may be eligible to contribute to a Health Savings Account (HSA) through Fidelity. There are several ways to add funds to your HSA: • Payroll Deduction: Albertsons lets you make HSA contributions through convenient payroll deductions. Contributions are deposited into your HSA on a pre-tax basis (before taxes are applied to your paycheck). • Bank Account: You can also link a bank account (e.g., checking or savings) for one-time or recurring deposits, or you can deposit a check. • HSA Consolidation: If you already have an HSA with a balance, you can transfer some or all of those funds to consolidate your accounts. • One-Time IRA Contribution: Regulations allow you to move money from an IRA to your HSA once in your lifetime for a federal income tax deduction. In order to be eligible to fund an HSA though Fidelity, you must be enrolled in an HSA-qualified health plan (like the HSA Plan), and you must not be enrolled in certain other types of coverage. Check with Fidelity to determine if you are eligible. Tax Savings Money you contribute to your HSA has a triple tax advantage*: It goes in tax-free (except funds transferred from a checking or savings account that have already been taxed), comes out tax-free (if you use it to pay for eligible healthcare expenses) and grows tax-free. * With respect to federal taxation only. Contributions, investment earnings and distributions may or may not be subject to state taxation. Flexibility and Ownership It is up to you how much to contribute (up to IRS limits—see table below) and when you want to use the money in your HSA. You can use it to pay for eligible healthcare expenses now or in the future—including in retirement. The money you don’t spend by year-end stays in your HSA and rolls over year to year, just like a regular savings account, and continues to build. There’s no “use it or lose it” rule. Plus, your HSA is yours to keep, even if you later decide to enroll in a medical plan without an HSA or if you leave Albertsons or retire. You can continue to use it to pay healthcare expenses now or in the future. You always own 100% of your HSA. Annual HSA Contribution Limits The IRS defines HSA contribution limits each year. Investing Your HSA Dollars You may have the option to invest your HSA contributions through Fidelity. Any earnings on your invested contributions can grow tax-free. You can also manage your invested HSA dollars through Fidelity. 2025 Associate Only $4,300 Family $8,550 Age 55 or Older Additional $1,000
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