How your HSA works
When you enroll in the Cigna HDHP Plus with HSA plan, a personal HSA is automatically opened for you through HSA Bank. You’ll receive an HSA debit card and can view and manage your account anytime at myCigna.com.
You can use your HSA to pay for eligible medical, prescription, dental and vision expenses for yourself and your eligible dependents. You may pay providers directly or reimburse yourself using your HSA funds.
Once your balance reaches $1,000, you may choose to invest a portion of your HSA to help it grow over time.
Sprinklr contributions
Sprinklr helps you build your HSA balance each year. Sprinklr’s contributions count toward your total annual IRS maximum.
| Coverage Level | Q1 | Q2 | Q3 | Q4 | Annual maximum |
|---|---|---|---|---|---|
| Employee Only | $187.50 | $187.50 | $187.50 | $187.50 | $750 |
| Employee + Spouse/DP | $375 | $375 | $375 | $375 | $1500 |
| Employee + Children | $375 | $375 | $375 | $375 | $1500 |
| Employee + Family | $375 | $375 | $375 | $375 | $1500 |
If you join Sprinklr after the start of the plan year, Sprinklr’s HSA contributions will be prorated for your first year. To receive Sprinklr’s quarterly HSA contribution, you must be actively employed and have an active, open HSA at the time of deposit.
Your contributions
For 2026, you may contribute up to:
- $4,400 for employee-only coverage
- $8,750 for all other tiers
These limits include both your contributions and Sprinklr’s.
Employees age 55 or older may contribute an additional $1,000 in catch-up contributions.
You can adjust your pre-tax HSA payroll contributions at any time during the year.
Why an HSA is valuable
- No “use it or lose it.” Unused funds roll over from year to year.
- You own the account—it stays with you even if you leave Sprinklr.
- Triple tax advantage: Contributions, investment earnings and withdrawals for eligible expenses are tax-free.
- After age 65, you may withdraw funds penalty-free (taxes apply for non-medical withdrawals).
Important HSA Considerations
HSAs are individually owned, and the IRS sets annual limits on how much can be contributed each year. Be sure to keep track of both your contributions and Sprinklr’s contributions to avoid exceeding the IRS maximum.
You can review your year-to-date HSA totals anytime at myCigna.com, and you may adjust your payroll contributions whenever needed.
Are you eligible for an HSA?
Because HSA plans have certain tax advantages, the IRS defines specific rules for participants.
You are not eligible for an HSA if you:
Are enrolled in Medicare.
Are covered by another medical plan that’s not a qualified high deductible health plan.
Can be claimed as a dependent on someone else’s tax return.
Are covered by veterans’ benefits and have used Veterans Affairs medical services within the past three months. Veterans who have a service-connected disability can participate in an HSA regardless of when they received VA benefits.
Are enrolled in or covered by a general purpose Health Care Flexible Spending Account (FSA) or Health Reimbursement Account (HRA), including one through your spouse’s/domestic partner’s employer.
How the FSA carryover may affect HSA eligibility
The Health Care FSA includes a carryover feature that allows unused funds to move into the next plan year:
- Up to $660 can carry over from 2025 into 2026.
- Up to $680 can carry over from 2026 into 2027.
If you newly enroll in the Cigna HDHP with HSA plan for a new plan year, this carryover may affect your ability to contribute to an HSA. IRS rules require that you have no general-purpose Health Care FSA balance at the start of the HSA plan year.
Any carryover funds are automatically placed into a Combo FSA, which offers limited reimbursement options. Having a Combo FSA balance—of any amount—makes you ineligible to contribute to an HSA until the balance is fully spent.
Any unused FSA dollars above the carryover limit are forfeited, so be sure to use your FSA funds by Dec. 31.
Example of how carryover affects HSA eligibility
Jordan has a Health Care FSA in 2026 and ends the year with $720 remaining.
- Up to $680 (the 2026 carryover limit) moves into 2027 and is placed in a Combo FSA.
- The remaining $40 is forfeited.
- Because Jordan starts 2027 with a Combo FSA balance, Jordan is not eligible to contribute to an HSA until the Combo FSA balance is fully used.