Employee Benefits | HR

Health Savings & Flex Spending Accounts

These tax-advantaged accounts provide employees a way to save for and manage medical and care costs.

National Jewish Health uses Rocky Mountain Reserve (RMR) to manage these funds for employees. Log in to RMR.

Health Savings Account

A Health Savings Account (HSA) allows you to put aside money on a pre-tax basis to pay for out-of-pocket medical expenses today, such as deductibles, coinsurance and copays.

  • HSA funds remain in your account and roll over from year to year.

  • Once enrolled in Medicare, participants are no longer eligible to contribute to an HSA.

  • The funds in the Health Savings Account are still owned by the account holder and can be used to pay for medical expenses tax-free.


Flexible Spending Account

A Flexible Spending Account (FSA) is used to pay for eligible out-of-pocket medical, dental, and vision care expenses for you and your eligible dependent(s).

  • Employees who are enrolled in the Cigna SureFit $1000 plan may participate in a Healthcare FSA.

  • As a reminder, the Healthcare FSA includes a feature that lets you carry over up to $550 of unused funds to the next plan year. Unused funds greater than $550 will be forfeited.

  • The annual contribution limit for 2022 is $2,750.

Compare your options and learn more about HSAs and FSAs