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Health Savings Account (HSA)

Because you’re family, we want you to stay happy and healthy—now and in the future. When you participate in the UnitedHealthcare $1,500 or $2,500 plan, you will have the opportunity to enroll in a personal savings account for your healthcare, called a Health Savings Account (HSA). Both you and Ancestry set aside tax-free money, which you can then use to pay for medical, dental, and vision expenses. It’s a great way to save money while tending to your well-being.

Ancestry’s HSA contribution

Here’s a breakdown of the annual/monthly contribution*:

  UHC $1,500 Deductible Plan UHC $2,500 Deductible Plan
Employee only $750/$62.50 $1,250/$104.16
Employee + Spouse/Partner $1,500/$125 $2,500/$208.33
Employee + Child(ren) $1,500/$125 $2,500/$208.33
Family $1,500/$125 $2,500/$208.33

*Employer contributions to your HSA are deposited each pay period.

For 2020, you can contribute up to the annual IRS limit of $3,550 for individuals or $7,100 for family coverage (this amount includes Ancestry’s contribution)

To be eligible for an HSA, you must be enrolled in a high deductible health plan (HDHP) and you may not:

  • Have a Health Care FSA (including your spouse’s/domestic partner’s FSA)
  • Be claimed as a tax dependent
  • Be enrolled in Medicare, Medicaid or Tricare
  • Be enrolled in any other medical plan that’s not a high deductible health plan (HDHP)

How the HSA Works

  • First time users should register at After registering at, you'll be able to access your HSA through
  • You can change your contribution amount or stop contributing at any time.
  • It’s like a bank account that you manage to pay for your healthcare expenses.
  • You can use your HSA debit card to pay for eligible expenses or reimburse yourself for payments you’ve made (only money you’ve already contributed can be spent).
  • Any unused money can be carried over each year and invested for the future—you can even take it with you if you leave your job or retire.
  • Still gives you the option to contribute to a Limited Purpose Flexible Spending Account (LPFSA) for additional tax savings. Please note that LPFSA funds can only be used for dental and vision expenses.
  • You will receive an email from Optum Bank that will ask you to confirm your identity/address before you can utilize the account. If you don’t confirm your identity/address timely, funds can be forfeited and/or any Ancestry contributions will begin prospectively.

Avidia 2020 Fee Schedule PDF

Optum Rollover Transfer PDF