How to maximize every dollar you spend on care and wellness.

Navigating healthcare expenses can often feel like a moving target, but using tax-advantaged accounts is one of the single most effective ways to lower your out-of-pocket costs. Whether you are managing routine prescription refills or planning for major family milestones, setting aside pre-tax dollars ensures that more of your paycheck stays in your hands while keeping your health on track.

Understanding how your plan choices work together is the first step toward long-term savings. By taking a proactive approach to your healthcare budgeting today, you build a reliable safety net that protects both your physical well-being and your household budget throughout the year.

Four Strategies to Stretch Your Healthcare Dollars

• Contribute Pre-Tax Funds: Utilize an HSA or FSA to pay for eligible medical, dental, and vision care. Every dollar contributed reduces your overall taxable income.
• Shop Smart for Care: Use in-network providers and comparison-shop for scheduled imaging or procedures. Costs for identical services can vary significantly depending on the facility.
• Leverage Free Preventive Services: Take full advantage of 100% covered preventive care—like annual checkups, immunizations, and select screenings—before health concerns become costly issues.
• Keep an Eye on Eligible Expenses: Everyday items like sunscreens, first-aid kits, prescription sunglasses, and contact lens supplies are frequently eligible for reimbursement.

Even small adjustments to how you plan and pay for healthcare can lead to significant savings by the end of the plan year. Setting aside a few minutes each month to review your account balances and upcoming care needs ensures you stay ahead of expenses rather than reacting to them.

If you are unsure which savings account aligns best with your health plan or need help estimating your annual contribution limits, reach out to the Benefits Support team or explore the plan guides available right here in the portal.