Duke is pleased to offer a new benefit in 2026: the Fidelity Health Savings Account® (HSA), which is available to anyone who enrolls in the Duke Advantage Plan (a new high-deductible health plan - HDHP).
The HSA is a unique savings vehicle that offers an easy, smart way to save money to pay for qualified medical expenses. Check out this 3-minute video from Fidelity.
The IRS permits HSAs to be opened only if you are enrolled in a high-deductible health plan. Beginning in 2026, Duke will offer this new high-deductible health plan in addition to the existing choices for health care coverage. The Duke Advantage Plan is the only one of Duke's medical plans designed to work with a health savings account. As an HSA-eligible health plan, the Duke Advantage Plan is an HDHP that satisfies certain IRS requirements with respect to deductibles and out-of-pocket expenses. You generally pay less in premiums than in other medical plans, and pay more up front for medical expenses before the plan begins to pay for covered services. General preventive care services are fully covered. Enrollment in an HSA-eligible health plan is one of the requirements to be eligible to establish an HSA.
More details about the Duke Advantage Plan will be available on the Duke intranet page in the weeks leading up to Annual Enrollment. Watch your mailbox for Annual Enrollment materials coming soon.
You will have the opportunity to select the Duke Advantage Plan and enroll in a Fidelity HSA®, if desired, during the 2026 annual enrollment which begins on October 6, 2025. However, you must act before Annual Enrollment ends on October 24, 2025.
It's important to note that Duke will provide an employer contribution to the HSA account: For an individual plan: $200; For a family plan: $500.
Explore this website for more resources that will help you learn about the HSA (click “HSA education” at the top).
With the Fidelity HSA, you have access to:
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A simple online experience— Manage your health care spending and retirement goals easily by accessing your retirement plans and HSA all in one place on Fidelity NetBenefits®. The #1 health savings account (HSA) among 10 of the largest HSA providers.1 |
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Flexible Investing platform—Your HSA investing choices include more than 10,000 mutual funds, individual stocks and bonds, CDs, and ETFs on Fidelity's brokerage platform. In addition, the Fidelity HSA Funds to Consider lineup includes a small number of mutual funds2 that have zero minimum investment3 and no transaction fees4 which may be suitable for HSA investors. You may start investing with your first dollar, as Fidelity does not have a minimum to start. |
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Easy-to-use tools and applications—to help you plan, track your expenses and pay your bills all through Fidelity. Access workshops, guides and tools for your HSA. Debit card—Pay for qualified medical expenses with your debit card, and the amount will automatically be deducted from your account. Excellent service to help you feel confident in your financial decisions. |
