Originally Posted by
Nantonaku
You forgot to take into account that Delta can change the rates/fine you while on the HSA plan for anything they think will raise the costs. Right now it is a $2400 a year premium for non-vaccinated. In 3 months it could be anything, Flu shot, Shingles shot, diabetes, overweight or get an Apple Watch and report daily exercise to the company or pay a fee. Only the DPMP plan has contract protections in it. Sounds crazy but 2 years ago the world we are living in today would be unimaginable. The company has not released a single number justifying their fines. Buyer be aware with the HSA plans. Also, HSA funds multiple times have not shown in my account and the 800 number at Delta couldn't help. Just gave up trying to collect funds multiple years - the amount of time it would take to track down the money in the end wasn't worth it.
I have never once had to track down missing funds. Every time they have shown up properly. It should be even easier now since there are only 2-3 very easy things to do to qualify for the maximum amount, and all the money gets deposited at once.
One thing that affects new hires: while you have to earn the company HSA contribution by jumping through a couple of hoops (taking a quiz, getting your yearly physical) during the plan year, the money you earn isn’t paid out till the following January. So any new hire during their first calendar year of employment will not get any HSA money contributed, but if you keep it up you’ll get money every year thereafter.