A Health Savings Account (HSA) is a good way to save for qualified health-related expenses, now or in the future. And the money in the account is yours to keep. Learn more about this popular account and how it may be right for you.
Register for a live webinar to learn how to get the most out of your HSA.
Learn MoreAll Regular, U.S. NesCARE benefits-eligible employees (Hourly regularly scheduled to work 30+ hours or Salaried working 20+ hours, as defined in the NesCARE SPD) who are enrolled in a High-Deductible Health Plan (HDHP) — SureSaver or HealthSaver plan.
Nestlé will contribute $500 to your HSA for employee-only coverage or $1,000 for any employee plus dependent coverage. This contribution will be funded semi-annually (half in January and half in July). You can add your own tax-free* contributions and even change the amount of your contributions during the year.
2025
The combined contributions from you and Nestlé cannot exceed $4,300 (employee only) or $8,550 (employee plus dependents).
2026
The combined contributions from you and Nestlé cannot exceed $4,400 (employee only) or $8,750 (employee plus dependents).
*Tax-free for federal purposes. State tax treatment may vary.
With an HSA, there’s no “use it or lose it” rule. Your HSA balance rolls over from year to year, so you can save it for health care expenses down the road. And you own 100% of your balance, even if you leave Nestlé or retire.
The HSA helps you save money in three ways. First, you contribute pre-tax dollars to your account.* Second, any money from the account spent on qualified health care expenses is tax-free. And, finally, HSA dollars grow tax-free while earning interest.*
*California and New Jersey HSA contributions are taxed by the state. New Hampshire and Tennessee tax HSA earnings.
You can use the money you and Nestlé put in your HSA now, or you can invest the money and use it for future health care expenses down the road or when you retire. You’ll need $2,100 to start investing — $100 to invest and $2,000 in your HSA balance.
Using your HSA is easy. You’ll receive a debit card to use for payment at the time of service.
Or you can log in to your account and pay your provider online. You can even request a check be sent to you for reimbursement. If you pay out of your pocket, you can transfer funds online from your HSA to your personal bank account for reimbursement.
You can also download the Optum Bank mobile app to your smartphone to make checking your balance or submitting receipts easy when you’re on the go.
Introduction to HSA
HSA FAQs
Investing with your HSA
HSA qualified expenses
Comparisons of HSAs and FSAs
Managing your HSA beneficiaries
View Live HSA Webinars
How to Download Forms on Optumbank.com
How to Submit a Claim for Reimbursement
How to Pay Yourself or a Provider through the Expense Journal
HSA and Tax Time Video
How to Set Up Direct Deposit
Rollover Transfer Form
Even if you choose not to contribute to your HSA, you must open an account to receive Nestlé contributions. To open an HSA, you must answer “eligible” for the HSA on MyBenefits and accept the terms and conditions for a new account with Optum Bank. Optum Bank must have an “Open” status under Nestlé to be considered open.
If you already have an active account with Optum Bank, ensure that you’re eligible for the HSA to receive Nestlé’s contribution and any employee contributions you might be interested in contributing.
In 2025, Nestlé will contribute $500 (employee-only coverage) or $1,000 (any coverage level with dependents) semi-annually (half in January and half in July) to help you pay for eligible health care expenses.
In 2026, Nestlé will contribute $400 (employee-only coverage) or $800 (any coverage level with dependents) semi-annually (half in January and half in July) to help you pay for eligible health care expenses.
If you’re a new hire, the company contribution is prorated based on your first full month of benefits coverage.
You can contribute tax-free dollars* up to the IRS limits.
Remember: You can change the amount you contribute to your HSA anytime during the year — you don’t have to wait until the next Annual Enrollment period.
*Tax-free for federal purposes. State tax treatment may vary.
If you’ll be age 55 or older in 2025 or 2026, you can contribute an additional $1,000. If your spouse is 55 or older, they can open their own HSA and contribute another $1,000.
QMEs include a range of medical, dental and vision expenses, and prescription and over-the-counter drugs. Check out the QME tool.
Your HSA dollars grow tax-free* while earning interest over time!
*Tax-free for federal purposes. State tax treatment may vary.
There’s no “use it or lose it” rule. Your HSA balance rolls over from year to year, and you own 100% of your balance even if you leave Nestlé or retire. If you’re not actively enrolled in the HSA with Nestlé, you’re subject to a $3.75 monthly administration fee unless you have a balance of $5,000 or more in your HSA.
You can also invest HSA dollars.
Here are the steps to view your account balance and more.