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@glendamarie If you keep the hsa maxout your family contribution it's taken pre-tax and then used like a checkbook for medical expenses.

@glorydaz So, without knowing if any plans are HSA (and my guess is that plan 3/4 are HSA where the company makes a contribution to reduce high deductible and employee can make contributions that are pre-taxed as well, then that money is used to pay medical costs.), if you add together yrly...

@tom_the_doubter Simply put, your deductible and oops max renew when your benefits renew. This is not a one time thing, its a yearly renewal. So if your benefit year is July 1 to June 30, every July 1 it resets to 0. If you have benefit limits, like 10 chiropractic adjustments per year, they...