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HSA

HealthEquity

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Health Savings Account

Health Savings Account

If you enroll in the HSA Core or HSA Value medical plan, you have access to a Health Savings Account (HSA) through HealthEquity. With this tax-advantaged account, you can use it to pay for eligible health care expenses for you and your eligible dependents, tax-free for federal income tax purposes (state laws may vary).

Key features

  • Benefit from a triple tax advantage — Pre-tax contributions, tax-free earnings, and tax-free withdrawals for qualified expenses.
  • Jump-start your savings with free money — The Company contributes to your account so you can pay for eligible health care expenses.
  • You own the account and all funds — Even if you change medical plans or leave the Company.
  • Choose how to use your HSA — Pay for current eligible health care expenses or save and let your balance grow.
  • Invest your HSA — Once you reach a $1,000 balance, with multiple investment options available.
  • Build long-term savings for future medical needs — Including expenses in retirement. Unused funds roll over year to year.

Who’s eligible?

Employees enrolled in the HSA Core or HSA Value medical plan.

Contributions

Employee contributions

Choose an amount to set aside for the year, up to the IRS limits below. The money is deducted from each of your paychecks on a pre-tax basis. You can start, stop, or adjust your contribution amount anytime during the year.

Company contributions

The Company contributes to your HSA to help you pay for eligible medical expenses up to a maximum value each year.

Annual IRS contribution limits

The IRS sets a limits on the maximum amount you can contribute to your HSA each year. The Company’s contribution and your contribution cannot exceed the below values.

  • ‍2026 — individuals up to $4,400 / family up to $8,750‍
  • 2027 — individuals up to $4,500 / family up to $9,000
  • If you are aged 55+, you can make an additional $1,000 catch-up contribution each year.

IMPORTANT: Make sure you track your HSA contributions throughout the year — exceeding the IRS annual limit can result in tax penalties. You are responsible for staying within the allowed maximum.

Change my contributions

You can change the amount you contribute to your HSA at any time during the year by:

Eligible expenses

Medical, prescription drug, dental, and vision expenses not covered by your insurance are all eligible. See the full list of IRS-approved expenses here.

Funds

  • Availability of funds — Funds are available as they’re withheld from your paycheck and deposited into your account
  • Accessing funds — Use a HealthEquity debit card for eligible expenses, or file claims directly for reimbursement

How to use your funds

For more information, check out the Health Savings Account briefing document.

* Employees aged 55+ can make an additional $1,000 catch-up contribution each year.

Medical Plans OverviewDental
Compare the Vision Plans

* Allows an exam every 6 months for children under age 19.
** Once every calendar year. Benefit coverage is for either contact lenses OR frame lenses but not both.

2027 Optional Child Life Insurance Monthly Rates (per $1,000 of coverage)

* Dependent Child(ren): $0.131 per $1,000 of coverage.

Monthly premium per $1,000 of coverage.

Copay PPO Plan

* The most you pay before the plan pays 100% of eligible expenses. Medical and Prescription Drug expenses are combined.

HSA Plans

* For HSA Core, no one in your family pays more than the individual deductible/OOP maximum before the plan pays 100% of their covered expenses. For HSA Value, there’s no individual cap on the deductible, but no one pays more than the individual OOP maximum.
** What you pay after the deductible is met.
*** The most you pay before the plan pays 100% of eligible expenses. Medical and Prescription Drug expenses are combined.
† If you use the ER for a non-emergency, you will be charged an additional $500 that will NOT count toward your deductible or OOP maximum.

Life & AD&D Insurance Coverage Summary

* The amount of coverage for active employees aged 65 and older is subject to annual age reductions in accordance with the plan. Please see the Life Insurance Certificate of Coverage & Schedule of Benefits on the Important Documents page for more information.
** The amount you elect for Optional Spouse Life cannot exceed the total of your employee Basic Life amount plus any Optional Employee Life coverage.

When Your Coverage Begins

* Calculator assumes all enrollment deadlines were met.

What Happens to Your Benefits
Copay PPO — Prescription Drug Coverage
HSA Core & HSA Value — Prescription Drug Coverage
Compare the Dental Plans

* Includes four periodontal maintenance visits per year; and one problem-focused visit per year
** Two per year for children and one per year for adults
*** One every 60 months until age 19
† Covers composite fillings for molar teeth
‡ One replacement in 24 months

2027 Medical Premiums — TOPS Products

TOPS Products premium amounts shown are per biweekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

2027 Vision Premiums

Premium amounts shown are per biweekly paycheck.

2027 Optional Life Insurance Monthly Premiums (per $1,000 of coverage)

Monthly premium per $1,000 of coverage.

2027 Optional AD&D Insurance Monthly Rates (per $1,000 of coverage)

Monthly premium per $1,000 of coverage.

2027 Medical Premiums

LSC Communications premium amounts shown are per biweekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

LTD Buy-Up Premium Worksheet — Sample Calculation

* The premium rate of $0.101 (per $100 covered monthly payroll) is of the 35-39 age-band and assumes a $45,000 annual salary.

2027 LTD Buy-Up Rates (per $100 of covered monthly payroll)

Premium per $100 of covered monthly payroll. Covered monthly payroll = annual salary / 12; number of units = covered monthly payroll / 100; monthly premium = units x rate.

2027 HSA Company Match Contribution

* For every $1 you contribute to your HSA, the Company matches $1 up to the coverage level match maximum each quarter for HSA Core or HSA Value medical plan participants.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 HSA IRS Contribution Limits

* For every $1 you contribute to your HSA, the Company matches $1 up to the coverage level match maximum each quarter for HSA Core or HSA Value medical plan participants.
** Employees aged 55+ can make an additional $1,000 catch-up contribution each year.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 Biweekly Hospital Indemnity Premiums

Premium amounts shown are per biweekly paycheck.

2027 Dental Premiums

Premium amounts shown are per biweekly paycheck.

2027 Biweekly Critical Illness Premiums

Premium amounts shown are per biweekly paycheck.
Premiums are based on your age and the coverage amount you elect ($10,000 or $20,000).

2027 Biweekly Accident Insurance Premiums

Premium amounts shown are per biweekly paycheck.

2027 Medical Premiums

Lakeside Book Company premium amounts shown are per biweekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

2027 HSA Company Contribution

* The Lakeside Book Company provides a seed contribution to your HSA that is automatically deposited.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 HSA IRS Contribution Limits

* The Lakeside Book Company annual maximum seed amount.
** The 2027 IRS Limit minus the $500 Company seed.
*** Employees aged 55+ can make an additional $1,000 catch-up contribution each year.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 Vision Premiums

Herff Jones premium amounts shown are per weekly paycheck.

2027 Medical Premiums

Herff Jones premium amounts shown are per weekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

2027 Weekly Hospital Indemnity Premiums

Herff Jones premium amounts shown are per weekly paycheck.

2027 Dental Premiums

Herff Jones premium amounts shown are per weekly paycheck.

2027 Weekly Critical Illness Premiums

Herff Jones premium amounts shown are per weekly paycheck.
Premiums are based on your age and the coverage amount you elect ($10,000 or $20,000).

2027 Weekly Accident Insurance Premiums

Herff Jones premium amounts shown are per weekly paycheck.