Overview
Huber offers you the following accounts administered by Inspira and encourages you to take full advantage of their money-saving potential. You can enroll in them as a new hire, during Annual Enrollment, or if you have a qualified life status event. To enroll, log in to COMPASS (or visit COMPASS through single sign-on access when inside the Huber Network if you have already registered.
Note: You must enroll in these accounts each Annual Enrollment if you want to contribute the next year, even if you already participate.
Health Savings Account (HSA)
Available only to employees who enroll in the Choice I or Choice II medical plan. Can be spent tax-free on eligible health care expenses, in the current year or future years.
Health Care Flexible Spending Account (FSA)
Available to employees who enroll in the Core medical plan or waive medical coverage. Can be spent tax-free on eligible health care expenses in the current plan year, up to the grace period deadline.
Dependent Care FSA
Available to all employees to spend on eligible child care or elder care expenses so you (and your spouse, if married) can work or attend school full-time.
Key features at a glance
Tax-free money.
Money goes in tax-free* and comes out tax-free when it’s used for eligible expenses.
Convenient payroll deductions.
Contribute to your accounts easily and effortlessly.
Helpful budgeting tool.
Plan for upcoming expenses by setting aside money each paycheck.
*HSA contributions are not subject to federal income tax, but are currently subject to state income tax in CA and NJ. Consult with your tax advisor to understand the potential tax implications of enrolling in an HSA and/or FSA.
How much could you save?
Here’s an example. Let’s say Tom decides to set aside $2,000 in an HSA or FSA for the year. Normally, on that money, he’d pay $480 in federal income tax, $100 in state income tax, and $153 in payroll tax. So, by contributing that $2,000 to his HSA or FSA, he’ll get $733 in tax savings for the year.
| Without an HSA or FSA, Tom would pay … | Savings |
|---|---|
| 24% in federal income tax | $480 |
| 5% in state income tax* | $100 |
| 7.65% in payroll tax | $153 |
| His total tax savings for the year with an HSA or FSA | $733 |
This hypothetical illustration is for educational purposes only. Dollar amounts or savings will vary depending on income, state and city tax rules, and other factors. Please consult a tax, legal, or financial advisor about your own personal situation.
*HSA contributions are not subject to federal income tax, but are currently subject to state income tax in CA and NJ. Consult with your tax advisor to understand the potential tax implications of enrolling in an HSA and/or FSA.
Health Savings Account (HSA)
With the Choice I and Choice II medical plans, you’re eligible to open and contribute money to a Health Savings Account (HSA) through Inspira. The HSA is a tax-free savings account that you own. You can use it to pay for eligible health expenses anytime — spend the money right away as health expenses come up, or save it for retirement. ¬ And, Huber will contribute to your account, too!
An HSA has a triple tax advantage
The HSA has unbeatable advantages that trump even a 401(k) or Roth IRA. You get:
- Tax-free contributions*
- Tax-free interest or investment earnings
- Tax-free withdrawals*
How the HSA works
*HSA contributions are not subject to federal income tax, but are currently subject to state income tax in CA and NJ.
Money in an HSA can be withdrawn tax-free as long as it is used to pay for qualified health-related expenses. If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn, plus a 20% penalty tax if you withdraw the money before age 65.
2025 contribution limits
Keep in mind, the maximum amount that can be contributed to your HSA is determined by annual IRS limits. In 2025, the total contribution limits are:
- $4,300 if you have employee-only medical plan coverage, or
- $8,550 if you cover dependents.
Add $1,000 to these limits if you’re age 55 or older.
IMPORTANT! These limits include Huber’s contributions to your account.
In order to establish and contribute to an HSA, you:
- Must be enrolled in the Choice I or Choice II medical plan.
- Cannot be enrolled in any other medical coverage, including a spouse’s plan, Medicare, or Tricare.
- Cannot be participating in a Health Care Flexible Spending Account (FSA).
- Cannot be claimed as a dependent on someone else’s tax return.
When opening up an HSA, the account holder is the only one who must meet the IRS eligibility requirements, even if you have a family medical plan
You should review IRS rules for making HSA contributions if you will turn age 65 during the year. For more information, see IRS Publication 969.
Getting started
To contribute to an HSA, you must enroll in the Choice I or Choice II plan. You must also elect an annual goal contribution amount for your HSA during your enrollment. You can change this amount during the year if you need to. Huber’s annual contribution will automatically post to your HSA within 30 days of your coverage beginning, as long as your HSA has been established with Inspira.
It is important that you verify your HSA once established, in order for any HSA employee or employer contributions to post. Contact Inspira directly for any questions or concerns at 844-PAYFLEX.
Keep these HSA tips in mind
- Check your balance. You can only spend money that has actually been deposited into your account — your entire annual contribution amount is not available to you from the beginning of the plan year. Your HSA balance will grow as deposits are made from each paycheck. You can check your balance on the Inspira website.
- Use your HSA debit card for eligible* expenses. You can pay for medical, prescription, dental, and vision expenses for yourself and your family with your HSA debit card. Or, you can log in to your Inspira account to make electronic payments or reimburse yourself for payments you’ve made using other sources of money. These payments or reimbursements can be made only up to the available balance in your account.
- Consider opening an investment account once you have at least $1,000 in your account. There are a variety of mutual funds to choose from. There are also no transfer or trading fees and no minimum investment amount for a trade request.
*For a list of eligible expenses, see IRS Publication 502. If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn plus a 20% penalty tax if you withdraw the money before age 65. After age 65, withdrawals for ineligible expenses are only subject to ordinary income tax.
Flexible Spending Accounts (FSA)
Using an FSA is like getting a discount on everyday health and/or dependent care expenses because you’re paying with tax-free money. There are separate FSAs for health care and dependent care. Our FSAs are administered by Inspira.
Use your money!
FSAs are “use-it-or-lose-it” accounts. You will forfeit any amount left in the account at the end of the plan year and grace period.*
Incurring expenses: Huber offers you a two-and-a-half-month grace period after the end of the plan year to incur expenses using the previous year’s FSA funds. For example, eligible expenses incurred between January 1, 2025 and March 15, 2026 may be paid for with FSA dollars from 2025.
Submitting Reimbursement Requests: Huber offers you a 120-day period after the end of your plan year to submit reimbursement requests. For the 2025 plan year, you have until April 30, 2026 to submit requests for reimbursements for eligible expenses incurred in the 2025 plan year (including the two-and-a-half-month grace period that extends beyond the end of the plan year).
If all funds are not claimed by April 30, 2026, any remaining FSA funds will be forfeited.
You can request reimbursement or manage your account on the Inspira website or using the Inspira app. You can also submit your reimbursement request by mail or fax. More information is on the Inspira website.
If you leave Huber during the 2025 plan year: You will not be able to use your debit card after your last day, but you can submit reimbursement requests until April 30, 2026 through the Inspira website.
- You can submit Health Care FSA expenses incurred only when you were active in the plan.
- You can submit Dependent Care FSA expenses incurred both while you were active in the plan and after your termination date through the end of the plan year.
*The deadline to incur claims for the current year is March 15 of the following year. The deadline to submit claims for the current year is April 30 of the following year.
Health Care FSA
A Health Care FSA is available to employees who enroll in the Core plan or do not elect medical coverage. You can contribute from $260 up to $3,200 for the year through payroll deductions to help cover eligible medical, dental, and vision expenses.
How the Health Care FSA works
Dependent Care FSA
A Dependent Care FSA is available to all employees and can be used to pay for eligible dependent care expenses, including child care for children up to age 13 and care for dependent elders.
You can contribute from $260 up to $4,550 for the year through $3,200 payroll deductions. Huber helps stretch your tax-free dollars even further by matching 10 cents for every dollar you contribute, up to an annual employer maximum contribution of $450. The total combined annual contribution limit for the Dependent Care FSA is $5,000.
Note: For the 2025 plan year, an employee who earned more than $155,000 in 2025 is considered an HCE (Highly Compensated Employee). If you are an HCE, you are limited to contribute a maximum of $1,200 (with the possibility of further adjustments) in total Dependent Care FSA contributions for the plan year due to annual non-discrimination testing requirements.
How the Dependent Care FSA works
Get more help for your family’s caregiving needs
Huber offers a variety of other benefits that provide caregiver support for your family, including subsidized back-up care, child care and elder care resources, online provider directories, as well as discounts on nanny placement services, academic support centers, and tutors.
Compare Accounts
| HSA | Health Care FSA | Dependent Care FSA | |
|---|---|---|---|
| Available with … | Choice I or Choice II |
Core (Or, if you waive medical coverage) |
N/A (All benefits-eligible employees may enroll) |
| Receive company contribution? | Yes | No | Yes |
| Change your contribution amount anytime? | Yes | No | No |
| Access your entire annual contribution amount as needed? | No | Yes | No |
| Access only funds that have been deposited? | Yes | No | Yes |
| Use account money for… | All eligible health care expenses | All eligible health care expenses | Eligible dependent care expenses, including child care for children up to age 13 and care for dependent elders |
| “Use it or lose it” at year-end? | No | Yes | Yes |
| Money is always yours to keep? | Yes | No | No |