2025 FAQ How is a PPO diferent from a HDHP? In 2024, HCCSC only sponsored High Deductible Health Plans (also called HDHPs, Consumer Driven Health Plans, or CDHPs). These plans are designed such that a participant is fully responsible for the full cost of their healthcare and medications until they reach their deductible, after which the plan begins to cover all or a portion of healthcare expenses. In 2025 HCCSC is switching to a PPO design, which means instead of paying the full cost of healthcare for doctor’s visits and medications, you will instead pay a predictable and afordable oxed copay amount. Another major diference between HDHPs and PPOs is that you will no longer be permitted to contribute pre-tax dollars to a Health Savings Account, or HSA. HSAs are designed to help members reach the high deductible amount in an HDHP without the burden of income tax, so you will no longer be eligible to contribute funds to this type of account. Can I keep contributing to my HSA? If you are covered by a PPO, Medicare, Tricare, or any other kind of traditional health insurance besides a High Deductible Health Plan (HDHP), you may not contribute new funds to a Health Savings Account. HCCSC will no longer sponsor a HDHP beginning 1/1/2025. If you are going to be covered by HCCSC’s sponsored medical plan in 2025, you should not contribute to an HSA during that year. What happens to the money in my HSA? If you have money in an HSA today, don’t worry! The funds already in your account will not be forfeited when you begin participating in your PPO healthcare plan. You can continue spending available funds from a Health Savings Account even if you are no longer eligible to contribute new funds to the account. You can feel free to spend your unused HSA dollars on your eligible out of pocket medical expenses next year. Please review this list of eligible HSA expenses. Is there an alternative to an HSA I can use to pay for medical expenses on a pre-tax basis? Yes! Now that you will be enrolled in a PPO, you may be eligible to participate in a traditional Healthcare Flexible Spending Account (FSA). You can sign up with an FSA provider of your choosing, or you can get in contact with American Fidelity before 12/31/2024 to sign up for their FSA product.