USER AGREEMENT

This site is meant for XPO, Inc., employees and their families. By using the site, you are verifying that you are an XPO employee or the spouse or dependent of an XPO employee.

For those employees represented by a union, all the items, statements, terms and conditions referred to in this website are subject to collective bargaining and will be negotiated with your union. To the extent that different terms and conditions are agreed upon and included in a collective bargaining agreement, those terms supersede the terms contained in this website and will govern your terms of employment. If any of the items, statements, terms and conditions referred to in this website conflict with applicable law, such applicable law shall supersede and shall govern.

The company reserves the right to revise or delete this program, the plans or any benefits described here. If there is any discrepancy between the information included here and the official Plan Documents or contracts, the official document or contracts will decide plan provisions and how benefits are paid. The program, plans and benefit provision do not create a contract of employment, expressed or implied. Notwithstanding any provision on this website, employment is at-will employment, unless a written agreement states otherwise.

Money : Health Savings Account

Health Savings
Account

If you enroll in the Basic HSA or HSA Plus plan, you’ll have access to a triple-tax advantaged account called a Health Savings Account (HSA) to help you pay for eligible health care expenses. There’s no “use-it or lose-it rule,” and you can even use it to save for medical expenses in retirement. Review the table below. Please keep in mind that some state tax regulations vary from the federal regulations described here.

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. You can change your contribution amount at any point during the year.

2024 Health Savings Account (HSA)
How does it work? An HSA allows you to set aside pre-tax dollars and use them to pay for eligible health care expenses for yourself and your tax dependents. You can also invest the money in your account and let it grow (similar to a 401(k) plan) so you can save it for future health care expenses.
Who contributes?

Basic HSA: You only

HSA Plus: XPO and you

How much does XPO contribute?

Basic HSA: Nothing

HSA Plus: $500 for Individual or $1,000 for Employee + One or More

XPO contributes 50% in January and 50% in July. The amount is prorated based on when you become eligible for benefits or have Qualifying Event changes.

How much can I contribute?

Basic HSA: Individual coverage: From $500 to $4,150 per year (2024 IRS limit)

Family coverage: From $500 to $8,300 per year (2024 IRS limit)

HSA Plus: Individual coverage: From $500 to $3,650 per year

Family coverage: From $500 to $7,300 per year

Basic HSA or HSA Plus: If you’re age 55 or older, you can make an additional “catch-up” contribution of $1,000 to your HSA per year.

What can the money be used for?

Eligible health care expenses include:

  • Medical
  • Prescription drugs
  • Dental
  • Orthodontia
  • Vision

Any HSA money spent on ineligible expenses is taxable, and you’ll have to pay a 20% tax penalty if you are under age 65.

Can I roll over unused money? Yes. You can roll over any unused money in your account for the next year. There is no “use-it or lose-it” rule.
How do I pay for care? Once you enroll, XPO will set up your account with Fidelity. When you need to pay for eligible health care expenses, you can either use the prepaid health care payment card from Fidelity, or you can pay for the expenses and reimburse yourself through Fidelity’s website. XPO partners with Fidelity to manage your account. You will view and manage your HSA money through Fidelity.
Can I take the HSA with me if I leave XPO? Yes. You own the account and can use the money any time.

Learn about the Health Savings Account

Visit Fidelity today to learn the top three reasons to consider an HSA medical plan, watch a video to see if an HSA could be right for you and tap into a wealth of resources including eligible expenses and more.

CONTACTS

Fidelity HSA


FSA and HSA administrator

Connect with Benefits

XPO Benefit Center

Call Us

855.376.7276
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Hours

Monday through Friday
M-F: 8am - 8pm Eastern Time

For those employees represented by a union, all the items, statements, terms and conditions referred to in this website are subject to collective bargaining and will be negotiated with your union. To the extent that different terms and conditions are agreed upon and included in a collective bargaining agreement, those terms supersede the terms contained in this website and will govern your terms of employment. If any of the items, statements, terms and conditions referred to in this website conflict with applicable law, such applicable law shall supersede and shall govern. The company reserves the right to revise or delete this program, the plans or any benefits described here. If there is any discrepancy between the information included here and the official Plan Documents or contracts, the official document or contracts will decide plan provisions and how benefits are paid. The program, plans and benefit provision do not create a contract of employment, expressed or implied. Notwithstanding any provision on this website, employment is at-will employment, unless a written agreement states otherwise.

USER AGREEMENT

This site is meant for XPO, Inc., employees and their families. By using the site, you are verifying that you are an XPO employee or the spouse or dependent of an XPO employee.

For those employees represented by a union, all the items, statements, terms and conditions referred to in this website are subject to collective bargaining and will be negotiated with your union. To the extent that different terms and conditions are agreed upon and included in a collective bargaining agreement, those terms supersede the terms contained in this website and will govern your terms of employment. If any of the items, statements, terms and conditions referred to in this website conflict with applicable law, such applicable law shall supersede and shall govern.

The company reserves the right to revise or delete this program, the plans or any benefits described here. If there is any discrepancy between the information included here and the official Plan Documents or contracts, the official document or contracts will decide plan provisions and how benefits are paid. The program, plans and benefit provision do not create a contract of employment, expressed or implied. Notwithstanding any provision on this website, employment is at-will employment, unless a written agreement states otherwise.