HSA
A health savings account (HSA) lets you set aside pre-tax dollars to pay for eligible health care expenses. You can open and contribute to an HSA when you enroll in the Cigna HDHP Smart with HSA medical plan.
Manage HSA account
How it works
When you enroll in the Cigna HDHP Plus with HSA plan, a personal HSA is automatically opened for you through HSA Bank and you’ll receive an HSA debit card.
- Pay for eligible medical, prescription, dental and vision expenses for yourself and eligible dependents.
- Pay providers directly or reimburse yourself using your HSA funds.
- View and manage your account anytime at myCigna.com.
Why it’s valuable
- Triple tax advantage: Contributions, investment earnings and withdrawals for eligible expenses are tax-free.
- You may invest a portion of your HSA to help it grow over time. (Once your balance reaches $1,000.)
- 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.
- After age 65, you may withdraw funds penalty-free (taxes apply for non-medical withdrawals).
How it’s funded
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 and adjust your payroll contributions whenever needed.
If you join Sprinklr or enroll in an HSA 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.
Sprinklr contributions for 2026
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 |
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.
Sprinklr contributions for 2027
| Coverage Level | Annual maximum | Q1 | Q2 | Q3 | Q4 | January 2028 |
|---|---|---|---|---|---|---|
| Employee Only | $750 | $87.50 | $87.50 + Q1 incentives* | $87.50 + Q2 incentives* | $87.50 + Q3 incentives* | Q4 Incentives True Up |
| Employee + Spouse/DP | $1500 | $275 | $275 + Q1 incentives* | $275 + Q2 incentives* | $275 + Q3 incentives* | Q4 Incentives True Up |
| Employee + Children | $1500 | $275 | $275 + Q1 incentives* | $275 + Q2 incentives* | $275 + Q3 incentives* | Q4 Incentives True Up |
| Employee + Family | $1500 | $275 | $275 + Q1 incentives* | $275 + Q2 incentives* | $275 + Q3 incentives* | Q4 Incentives True Up |
FAQs
Am I 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.
What can I use my HSA to pay for?
- Deductibles & copays
- Eyeglasses, contacts & LASIK
- Dental care
- Acupuncture
- Chiropractic services
- Hearing aids
- Laboratory fees
- Long-term care medical expenses
- Stop-smoking programs
- Physical therapy
- Psychological counseling
- Nursing home care
Can I have a FSA and an HSA?
No. IRS rules require that you have no general-purpose Health Care FSA balance at the start of the HSA plan year.
I have an FSA carryover. Will that affect my HSA eligibility?
Yes. Health Care FSA carryover funds are automatically placed into a Combo FSA. Having a Combo FSA balance makes you ineligible to contribute to an HSA until the balance is fully spent.
For example:
- Jordan has a Health Care FSA and ends the year with $500 remaining.
- The $500 “carryover” is placed in a Combo FSA.
- Jordan is not eligible to contribute to an HSA until the Combo FSA balance is fully used.
