HSAs & FSAs

Health Savings Account (HSA)

An HSA is like a 401(k) for health care–a tax-advantaged account that you can use for qualified medical expenses today or save for the future. Unlike a Flexible Spending Account (FSA), you can save and roll over HSA funds to the next year if you don’t spend them all in the calendar year. You can even let funds accumulate year-over-year to use for eligible expenses in retirement.

eligibility

You are eligible to contribute to an HSA if:

• You are enrolled in our HSA-eligible Consumer Health Plan.
• You are not covered by your spouse’s or parent’s plan that is ineligible for HSA.
• You or your spouse does not have a Healthcare Flexible Spending Account or Health Reimbursement Account.
• You are not eligible to be claimed as a dependent on someone else’s tax return.
• You are not enrolled in Medicare or TRICARE.
• You have not received Department of Veterans Affairs medical benefits in the past 90 days for non-service-related care (service-related care will not be taken into consideration).

Note: Consult a tax, legal or financial advisor for further details or refer to IRS Publication 969.

Contributions

You elect the amount you’d like to contribute during your enrollment period. Your contributions are made through payroll deductions on a pre-tax basis. You can start, stop or change your contributions at any time. Your changes may take one to two pay periods to update, and any unused funds roll over every year. The money in your HSA is always yours. You are 100% vested in the contributions made to your account, even if you separate employment.

Sabre also contributes to your HSA to help offset your out-of-pocket costs and increase your savings–up to $500 if you just cover yourself or up to $1,000 if you cover one or more dependents on the Consumer Health Plan:

• $19.23 every pay period if you elect Team member-only coverage
• $38.46 every pay period if you elect Team member + Spouse/Partner, Team member + Children or Team member + Family coverage

The IRS places a limit on the maximum amount that can be contributed to HSAs each year. For 2025, contributions–including Sabre’s contributions–are limited to the following:

Optum will issue you a debit card with direct access to your account balance. Use your debit card to pay for qualified medical expenses–no need to submit receipts for reimbursement. Like a regular debit card, you must have a balance in your HSA account to use the card.

Flexible Spending Account (FSA)

A Flexible Spending Account allows you to use tax-free dollars to pay for qualified expenses. There are three types of FSAs:

• Health Care FSA: reimburses you for eligible health care, dental and vision expenses.
• Limited Purpose FSA: reimburses Consumer Health Plan members for eligible dental and vision expenses.
• Dependent Care FSA: reimburses you for eligible day care expenses for your children and senior care for your parents.

eligibility

• You do not need to enroll in a medical plan to be eligible for a Dependent Care FSA.
• You can contribute to a Health Care FSA if you enroll in the Network Only or Balanced Choice medical plans.
• You can contribute to a Limited Purpose FSA if you enroll in the Consumer Health Plan.

Contributions

You elect the amount you’d like to contribute during your enrollment period. Your total annual contribution amount is available once your enrollment is processed, and your contributions are made each pay period on a pre-tax basis. You cannot make changes to your contributions unless you experience a qualified life change. Estimate your annual contribution amount carefully. Any unused funds from your FSA are forfeited at the end of year and do not roll over.

The IRS places a limit on the maximum amount that can be contributed to FSAs each year. For 2025, contributions are limited to the following:

Health Care FSA: $3,200

Limited Purpose FSA: $3,200

Dependent Care FSA: $5,000