That would make sense because isn't it an IRS/Law provision that an FSA gets taken if not spent down to like $500 each year? Not sure who gets to keep the money though, the IRS or the company....

And also your first year on the diamond being the worst year. One the HRA rolls over a couple times you’re in even better shape with it.


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every dollar of the FSA gets taken... it's 100% use or lose

Use it or lose it, any amount. You can use some at drugs.com or theoretically buy a bunch of blood pressure machines and resell them. Anyways the amount you lose goes to the insurance company, back to "the plan".

Sorry, bad Spirit info apparently.... I know at Delta we can rollover $500 a year out of a possible $2600 being set aside.

Here's what the IRS allows, but apparently the company can determine if they want to allow it as well:

$500 Rollover
This FSA regulation gives account holders the ability to "roll over" up to $500 in to the next plan year's account to prevent a large portion of funds from being forfeited. The FSA plan sponsor can elect to allow less than $500 to be rolled over, but the same rollover limit must apply to all participants under the current FSA plan rules. The $500 rollover does not count toward the following year's maximum election amount ($2,600 for 2017), so account holders could feasibly roll over $500 of last year's funds on top of the full election amount of $2,600 for 2017, which would give them $3,100 available for reimbursement for healthcare expenses that year.

Lol yes. I am single. Keeps things simple!!:D:D. For single healthy dude. It’s best thing out there

Open enrollment is up again...

Does anyone use the Gold HSA?

or does everyone use the Diamond HRA?

I do HSA. Pre-tax contributions, tax free growth, you withdraw tax free at 65. No brainer for me, but I just go to the doctor once a year for my annual check up and blood work. I don't use my HSA money, I just pay cash.

I am on the Diamond right now, and have a bit stashed up... but if I ever left Spirit, all of that goes poof. - it's not mine to begin with.

With the HSA, i can take that with me if I ever left Spirit or if i medical out0000.

Do you do your own contribution in addition to what Spirit contributes? and is your contribution limited by Spirit's contribution?
in other words can you contribute $7300 to the HSA if Spirit contributes $2000 - or are you limited to $5300 + Spirit's $2000?

And then you play investment broker with the HSA balance above $2000?

The limit includes the company contribution, so that kind of sucks, but it's free money. I'm not a savvy investor, so I just have the balance in an index fund.