Health Savings Account FAQ

Contributions

Can an employee contribute to an HSA?

An employee may contribute through salary deferral through their employer or an employee may contribute directly to their HSA.

How do I increase my pre-tax contributions from my paycheck to my HSA?

To change the amount deducted from your paycheck and contributed to your HSA, you need to contact your HR department or employer directly. Rocky Mountain Reserve cannot make these adjustments, as payroll deductions are set up and managed by your employer.

Can an Employer contribute to an HSA?

Yes.

What is the maximum annual contribution?

For 2022, the individual limit is $3,650 and the family limit is $7,300.

For 2023, the individual limit is $3,850 and the family limit is $7,750.

For 2024, the individual limit is $4,150 and the family limit is $8,300.

For 2025, the individual limit is $4,300 and the family limit is $8,550.

For further information, please refer to the following articles:

• Contribution Rules and Limits
• Contributions Exceeding HSA Contribution Limit
• Eligibility and Contributions
• Contribution Instructions
• State Taxes on HSA Contributions

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Distributions

How do I withdraw money from an HSA?

• Debit Card. Use the debit card. 
• Online. Please view this article for information on how to withdrawal the funds on the online account.

Can an HSA participant submit a claim?

On RMR's Platform, participants can use the Reimburse Me feature.

On RMR's Platform, participants can use the Bill Pay feature.

For further information, please refer to the following articles:

• Distribution Guidelines
• Mistaken HSA Distributions
• HSA Bill Pay

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HSA Debit Card

Why was my HSA debit card was denied when making a purchase?

Check to make sure there is money in the account. The HSA debit card should work at any merchant. If you have further questions, you can contact client services by phone at 888-722-1223 or by email at [e-mail].

For further information, please refer to the following article:

• HSA Benefits Card FAQ

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Mistaken Funds Withdrawal

Funds were withdrawn from an HSA and I wanted them taken out of a limited FSA.

The participant must contact client services and sign a form to correct the mistake.

Funds were withdrawn from an HSA for non-medical expenses. What should I do?

• The participant can pay for other medical expenses with non-HSA funds and use those expenses to offset their HSA distribution on their taxes.
• Participants may return the funds, but they must sign a special form. Participants can get this form by contacting client services.
• Pay out of pocket and then submit a claim through your online portal. 

For further information, please refer to the following articles:

• Mistaken HSA Distributions
• Reimbursement Pulled from the Incorrect Account

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Contact Participant Services:

💬 Live Chat: Available via the User Portal

✉️ Email: [e-mail] 

📞 Phone: [phone] 

🕒 Support Hours: M–F, 8 AM – 5 PM MST