Adventist Health is pleased to offer a new benefit in 2026: the Fidelity Health Savings Account^® (HSA), which is available to anyone who enrolls in the 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, Adventist Health will offer this new high-deductible health plan in addition to the existing choices for health care coverage. The new Plan is the only one of our medical plans designed to work with a health savings account. As an HSA-eligible health plan, the Adventist HDHP 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 high deductible health plan is be available on www.electbenefits.com/Adventist during Annual Enrollment.

You will have the opportunity to select the HDHP and enroll in a Fidelity HSA^®, if desired, during the 2026 annual enrollment which begins soon.

Explore this website for more resources that will help you learn about the HSA (click “HSA education” at the top).

With Fidelity, you have access to:

	The No. 1 HSA among 10 of the largest HSA providers.1
	Enhanced online experience — Easily manage your health care spending and retirement goals by accessing your retirement plans and HSA all in one place with NetBenefits®.
	Flexible investing platform — With the Fidelity HSA®, there’s no minimum to invest and no account transaction fees.2 Consider putting your money to work by investing in your HSA.
	Money Market Default — Once your HSA has been activated, any uninvested cash in your account is automatically put into the Fidelity® Government Cash Reserves to help your money grow.3
	Easy-to-use tools and applications to help you plan, evaluate and track your finances so you’re always in the know.
	Excellent service to help you feel confident in your financial decisions.