HEALTH SAVINGS ACCOUNT ( HSA ) EDUCATION 2026 Benefits Guide | 12 BB&N will contribute: PPO HSA with HRA Plan: $1,000 per year for Employee - only coverage $2,000 per year for Family coverage PPO HSA Only Plan: $2,000 per year for Employee - only coverage $4,000 per year for Family coverage You pay the full cost of non - preventive care, including Rx until you meet your deductible. When you have an eligible expense, you can decide whether to use your HSA funds or pay out of pocket. Either way, these expenses count towards your deductible and out - of - pocket maximum. Any money left in your account is yours to pay for healthcare in the future or to invest. If you leave BB&N, you’ll take your HSA with you – you own this account. Money Goes In Money Comes Out Have Money Left? It Rolls Over! TAX ADVANTAGES OF AN HSA 100% deductible contributions up to a legally mandated maximum amount Money withdrawn for medical spending never falls under taxable income Tax deferred interest earnings Tax free interest earnings, if money is spent on health care costs