TIP

TIP: An HSA is completely tax free — even better than a 401(k) or Roth IRA, which both tax you somewhere along the line. Your HSA money goes in tax free, builds earnings tax free and comes out tax free when spent on eligible expenses.

Legacy EchoStar employees: If you’re receiving a grandfathered stipend, consider increasing your HSA contributions by the same amount.

Advantage

Take (triple) advantage.

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Medical Plan

High-deductible coverage

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A higher deductible ($2,500 individual/$5,000 family) takes a little budgeting.

The Medical Plan covers preventive care, such as checkups and vaccines, at 100% as long as you stay in-network, so you pay nothing.

For non-preventive care — like treatment for an illness — you’ll want to plan ahead so you’re prepared to cover your costs until the plan’s coinsurance coverage kicks in. A great way to do this is to put money into your HSA for future use.

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HSA

Tax-free savings account that’s yours forever

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Pay health costs and save money with a Health Savings Account.

An HSA is the smartest way to pay for your health costs, and all the money is always yours to keep (there’s no use-it-or-lose-it rule as with Flexible Spending Accounts). Use your HSA to stash away tax-free money you can spend on eligible medical, prescription, dental and vision expenses anytime, even in retirement.

You even get FREE money from EchoStar to grow your HSA faster! You are eligible to receive up to $520 per year ($20 per pay period) into your HSA by completing the following activities:

  • Taking the Tobacco-Free Pledge
  • Contributing at least $10 per pay period of your own contributions to your HSA
  • Completing a Health Assessment

Together, you and EchoStar can contribute up to $4,300 to your HSA for individual coverage or $8,550 if covering dependents in 2025.

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Triple advantage

Stay healthy, spend wisely, save for the future!

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Together, the Medical Plan and HSA give you an unbeatable advantage.

No other type of medical plan helps you stay healthy, spend wisely and build up tax-free savings to pay for future medical expenses.

TIP

See a complete list of fully covered preventive care services for adults and children.

Prevention

Use your free preventive care.

You and your family can stay healthier — and lower your medical bills — by keeping up with your preventive care. It’s FREE – WITHOUT needing to meet your deductible — as long as you stay in-network, so there’s no excuse to skip it!

Tests

blood pressure, diabetes, cholesterol

Cancer screenings

mammograms and colonoscopies

Counseling

5 free visits per year, per condition, with a mental health provider through the Employee Assistance Program

Kids

well-baby & well-child visits from birth to age 21

Vaccinations

flu, pneumonia, measles, polio, meningitis and Covid-19 vaccinations and boosters

Healthy pregnancy

counseling, screenings, and vaccines

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What can you spend HSA money on? See a list of eligible expenses.

Budgeting

Budget for what isn’t free.

Your HSA will always fit your needs because you can change your contributions at any time. You can save just enough to cover your everyday health expenses, or use it to save up for a big expense like surgery or dental work.

Real-life HSA budgeting

Click to reveal Amy's options.

Amy

Covering everyday expenses

Click to reveal Robert's options.

Robert

Saving for a pricey procedure

Click to reveal Samuel's options.

Samuel

Ready for the unexpected

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In retirement, you can spend HSA money on eligible health expenses, Medicare premiums, nursing home care, long-term care and much more.

Save Big

Save big for your retirement.

Many HSA users spend as they go, allowing what’s left to roll forward. But you can also leave your HSA money untouched so it can build up for the future — not a bad idea, since an average couple could spend $325,000* on health care in retirement.

How much could you save?

Source: EBRI.org. Assumes a 5% rate of return, the maximum contribution for an individual each year, no company contributions and no withdrawals.

*Employee Benefit Research Institute, 2020 data.

TIP

Go here to take advantage of quick, easy and affordable Virtual Visits.

Work It

Learn how to work the system.

Why overpay for health care and prescriptions? You’ll keep more cash in your HSA if you know how to work the health care system. Take charge of your spending with these money-saving secrets.

KNOW WHERE TO GO

when you need medical attention

Click to reveal where to go.

KNOW WHAT TO DO

to save on medical expenses

Click to reveal what to do.

TIP

Keep your receipts! If the IRS audits you about your HSA before age 65, you’ll need to prove the account was used for qualified expenses.

Rules

Remember these rules.

Along with your HSA’s incredible tax benefits come a few rules. Knowing them will help you take full advantage of your account, now and in retirement.

When can I contribute to my HSA?

Any time you are enrolled in a qualified high-deductible health plan, like the Medical Plan, and do not have any other medical insurance coverage, you may contribute.

You cannot contribute to your HSA if you are covered by other medical insurance. This includes Medicare Part A.

What expenses are HSA-eligible?

  • Deductibles
  • Office visits
  • Prescription drugs
  • Over-the-counter medications, feminine products, bandages, and more
  • Hospital stays and lab work
  • Speech/occupational/physical therapies
  • Dental care
  • Vision care
  • COBRA premiums
  • And more

The same things that are eligible before age 65, plus:

  • Medicare premiums, copays, and coinsurance
  • Any health insurance other than a Medicare supplement policy (such as Medigap)
  • Nursing home fees and in-home nursing care
  • Long-term care services and policy premiums
  • Retirement community fees for lifetime care
  • And more

What happens if I use HSA money on ineligible expenses?

You pay ordinary income tax plus a 20% penalty on the amount withdrawn.

No penalty — you’ll just pay ordinary income tax on the amount withdrawn.