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.

6 month reapply
 

Anybody get the 6 month reapply? Do they reach out to you or do you reach out to them? My window is rapidly approaching (April) and I want to be in a position where this is a possibility.

Recent new hire and I had the HSA money in my account within a few weeks. What you are thinking of is the bonus money you get by doing the quiz and getting a physical.

I got it back in July. I put my 6-month date on my calendar so I knew when my app could be considered again. Delta never sent me anything. Just keep your app updated and current. That's all you should have to do.

Interesting. Functionally going forward it won’t make a difference since you’ll now get the max $2200 each January (previous year’s bonus earnings + current year family allowance). Good to hear you’re still getting some money up front.

Did Optum send you account information and login credentials? I haven’t seen anything yet. October hire…

The CUT E flying through tunnel test is broken. The real test is much easier. And you can practice the real test as much as you like. Don’t sweat it.

Took them about three weeks to send me the debit card which I think was needed to log in. Sounds like you gotta make some phone calls.

One last note about the HSA - Obviously all deposits (your personal payroll contributions and the company money) all go to Optum. Optum has an ok variety of mutual funds and bonds and stuff to invest in, but it's still a pretty limited selection and Optum requires that you keep $2000 in cash before you can invest any amount over that. So, what a lot of people do is open an HSA investment account somewhere else (Fidelity is a popular choice) and roll almost all your Optum balance into the other account where you have tons more investment options and no required cash balance. You must keep a small amount in your Optum account (I keep $7) because if you zero it out then Optum will just close your account. There is no fee for the rollover and hypothetically you can do as many per year as you want. Personally I do all my HSA contributions towards the end of the year, so that way in Jan when the company money hits I just do a single rollover of the $7200 to Fidelity. Takes about 2 weeks for the money to transfer and as soon as it does you can do whatever you want with it as far as investing on the Fidelity platform.