Why an HSA?

If you are enrolled in the HSA medical plan, you have an HSA you can use to save and pay for eligible health care expenses tax-free — now and in the future. An HSA has many benefits:

• You get triple tax advantages.¹ You can contribute pre-tax dollars to your HSA, which reduces your taxable income; grow your HSA by earning tax-free interest and investment returns; and pay for eligible health care expenses for yourself and your eligible dependents tax-free.
• You can use it now or later. Use the money in your HSA to pay for current or future eligible health care expenses.

• You can invest your HSA funds. Once you meet the investment threshold, you can invest your HSA funds in a choice of mutual fund investment options that are available through an independent investment advisor. Any investment earnings are tax-free. (Be sure to talk with your financial advisor to see if investing your HSA funds is right for you.). Visit optumbank.com for calculators that can help you manage your HSA now and in the future.
• DFIN contributes to your HSA. DFIN provides a lump-sum contribution to your HSA at the beginning of the plan year to help you manage your medical plan deductible and pay for eligible health care expenses.
• You keep the money. Any unused account balance rolls over from year to year, and money in your account is always yours — even if you change medical plans, leave DFIN or retire.

1. Tax treatment of HSAs may differ in your state and is subject to change at any time. Please consult with your tax adviser for more details and the specific tax rules that may apply in your state.

Contributions to Your HSA

Silver HSA Medical Plan

In the Silver HSA medical plan, DFIN will contribute a quarterly contribution to your HSA based on your medical coverage level. You can make contributions to your account too, up to IRS limits.

2025 Limits

2. If you are age 55 or older, you can make an additional $1,000 catch-up contribution.

2024 Limits

2. If you are age 55 or older, you can make an additional $1,000 catch-up contribution.

Bronze HSA Medical Plan

In the Bronze HSA medical plan, you can make contributions to your account, up to IRS limits:

• For Employee Only coverage in 2025: $4,300 and in 2024: $4,150
• For all other coverage in 2025: $8,550 and in 2024: $8,300
• If you are age 55+ you can make an additional $1,000 contribution

Tips for Using Your HSA

• You decide. You can choose to use your Health Savings Account (HSA) to pay for eligible health care expenses with tax-free dollars or save that money for future expenses. It’s a choice you get to make each time you have expenses.
• Track your contributions. With all this money going into your account, remember, you are responsible for making sure you don’t exceed the annual contribution limit or overdraw your account. Monitor your HSA contributions carefully.
• Watch your account balance grow tax-free. You can invest a portion of your HSA dollars in mutual funds — just like you would with a 401(k). You can choose from a variety of mutual funds at optumbank.com (if you’ve met the investment threshold).
• Use your HSA debit card if you do have money in your account — that way you don’t have to pay out of pocket. Your debit card draws right from your HSA to use for eligible health care expenses.
• Or pay yourself back if you don’t have enough money in your HSA to cover your eligible expenses. You can pay the expenses out of pocket, and then reimburse yourself once funds are available in your HSA.
• Be careful what you spend on. If you use your HSA dollars for non-qualified expenses before you reach age 65, those dollars will be subject to income taxes and an additional 20% excise tax. When you reach age 65, HSA funds can be used for everyday spending and are only taxed at your income tax rate — the excise tax no longer applies.
• Maximize your tax advantage. If you have an HSA, you can still contribute to the Limited-Use Health Care FSA. You can use the FSA to pay for dental and vision expenses until you meet your medical plan deductible, but you can use your HSA at any time to pay for eligible health care expenses.

Get Started

Go to mydfinbenefits.com and authorize DFIN to deposit part of your paycheck into your HSA. This means you must make an active election for your contribution amount. The amount you choose to contribute is deducted evenly from your paychecks for the year.