• Acadia contributes free money to your HSA! Up to $2,250/year with individual coverage and up to $3,150/year with family coverage (pro-rated for new hires). Acadia funding is contributed per pay period.
• You can set aside pre-tax money from your paycheck to help pay for additional out-of-pocket health care expenses. HSAs give you triple tax advantages:
  1. Your contributions to the HSA are not taxed*
  2. Payment of qualified expenses is tax-free
  3. Earnings are tax-free*
• The HSA is an individual account you own. The entire balance is yours to keep. If you leave the company, the account goes with you.
• You can make changes to your HSA contributions at any time. Changes take effect the first of the month after you update your contribution amount in Workday.
• Unused funds always roll over to the next plan year.
• Freedom to control and manage your healthcare spending and savings to grow your balance for future qualified medical expenses, such as those in retirement.

*State taxes may still apply in CA and NJ. For detailed tax implications of an HSA, please contact your professional tax advisor.

Both company and personal contributions cannot exceed the annual IRS maximums. In 2025, the IRS maximum for individual coverage is $4,300 and for family coverage is $8,550. If you are age 55+, you may contribute an additional $1,000.

To help you get started, Acadia contributes up to $2,250 per year for individual coverage and up to $3,150 per year for family coverage. Contributions are deposited per pay period and are pro-rated for new hires throughout the year. You must be actively employed on each distribution date in order to be eligible to receive company funding.

Depending on your year-to-date HSA contributions, Acadia funding may be reduced to avoid exceeding annual IRS limits.

When you enroll in the Choice Fund PPO (CDHP PPO) with HSA, you’ll receive an HSA Bank debit card which you can use to pay for eligible expenses. You can view your claims, pay your bills, and manage your account at myCigna.com.

Your HSA funds are yours to keep if you retire or leave the company.

If you’re considering retirement, HSAs are a great retirement savings account. You can contribute up to the annual IRS maximums (including the age 55+ catch-up contributions) with pre-tax dollars to pay for health care after you retire. Just make sure personal and company contributions combined don’t exceed annual IRS maximums.

HSA Eligibility Requirements:

• You must be enrolled in the Cigna Choice Fund PPO (CDHP PPO) with HSA plan
• You must have a Social Security number
• You cannot be covered under another non-qualified health plan, including your spouse’s Health Care Flexible Spending Account
• You cannot be enrolled in Medicare or Tricare
• You cannot be claimed as a dependent on someone else’s tax return

Participants of the plan are responsible for understanding the IRS rules pertaining to HSAs and for ensuring that they do not exceed IRS contribution limits.