HSA Plan Changes

HSA Contribution Minimum

If you like the convenience of contributing to your Health Savings Account (HSA) through payroll deductions, you’ll need to contribute a minimum of $500 for the year.

  • If your 2020 contribution was less than $500, you must make a new election for 2021.
  • If your 2020 contribution was $500 or more, your election will roll over to 2021.

You Can Save More on Taxes

HSA contribution limits are set by the IRS each year. The amount you may contribute is triple-tax protected and depends on which HSA option you elect, whether XPO contributes, the coverage level you choose and your age.

 Under Age 55Age 55 or Older
HSA PlusEmployee OnlyEmployee + 1 or MoreEmployee OnlyEmployee + 1 or More
2021 IRS Limit$3,600$7,200$4,600$8,200
XPO Contribution$500$1,000$500$1,000
Your Contribution$3,100$6,200$4,100$7,200
Basic HSAEmployee OnlyEmployee + 1 or MoreEmployee OnlyEmployee + 1 or More
2021 IRS Limit$3,600$7,200$4,600$8,200
XPO Contribution$0$0$0$0
Your Contribution
$3,600$7,200$4,600$8,200