HSAs & HDHPs How They Work Together HDHPs: Maximize Your Savings
With an HDHP you pay the full cost of medical care until the deductible is met. You can use your HSA towards those eligible medical costs. Then the plan covers a portion or all of costs for the remainder of the year.
2026 IRS Annual Contribution Limits
Families $8,750
Individuals $4,400
Veterinary Practice Partners contributes $1,100 to your HSA
High Deductible Health Plan HDHP Lower monthly premiums than traditional plans Higher deductibles and out-of- pocket maximums
Health Savings Accounts HSA Save for eligible healthcare expenses Reduce taxable income with pre- tax contributions Portable account: yours to keep, even if your employment ends Unused funds do not expire
Preventative care covered at 100% (no deductible applies)
HSAs & LPFSAs Additional Ways to Save If you choose to have an HSA, the IRS does not allow you to enroll in a standard Healthcare FSA (FSA). However, you can enroll into a Limited Purpose FSA (LPFSA).
Similar to an FSA, the LPFSA is a pre-tax employee benefit plan option that allows you to set aside salary before any taxes are taken out. While an LPFSA operates similarly to a standard Health FSA, the list of eligible expenses is more restricted. Generally, expenses must fall into the category of dental or vision. See the LPFSA page for more details on boosting your savings opportunities. 14
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