Consumer-Directed Health Plans (CDHP) have lower monthly premiums, offset by a higher deductible and out-of-pocket max. These plans are automatically paired with a Health Savings Account (HSA), into which WSU contributes $58.34/individual or $116.67/family monthly. You may make your own HSA contributions pre-tax through payroll deduction.
- The HSA max contribution limit for 2026 is $4,400/employee only or $8,750/families. This includes both employer and employee contributions, as well as the $125 SmartHealth Incentive if earned. Those 55+ may contribute up to an additional $1000/yr.
- HSA funds can be used on IRS-qualified out-of-pocket medical expenses, and carry forward year-to-year. Funds remain yours even if you dis-enroll from a CDHP or leave WSU.
- Contributions made through payroll deduction lower your federal and FICA taxable income.
- HSA contributions and earnings are tax-free, and the funds remain tax-free if utilized for eligible health expenses.
- CDHP enrollees must meet IRS eligibility requirements. Medicare enrollees may not also contribute to a HSA, and if they do there are tax implications.
- During OE, CDHP/HSA enrollees may also enroll in a Limited FSA to cover eligible vision and dental expenses in 2026.
The Open Enrollment web page provides information a link to a CDHP/HSA Overview presentation, and other important information you need to know.
Questions can be directed to HRS Benefits at 509-335-4589 or hrs.benefits@wsu.edu.
