To update your Health Savings Account contribution, please access your Empyrean profile (Access Empyrean via Okta).

1. Select Change Your Current Benefits.
2. Select Change in Health Savings Account, Save and Continue.
3. Choose the current date, agree to eligibility requirements, and Save and Continue.
   
4. Navigate to the HSA tile and select Change.
   
5. The change effective date will default to the 1st of the following month. Make your new annual selection.
   
6. Click on Calculate cost and I’m done with my selection.
   
7. Click on Save my election.
   
8. Click on I’m done with my selections.
   
9. Click Submit My Elections.
   
10. When you see the confirmation, you’ve completed the update. Save the confirmation # for your records.
    

• Eligibility for HSA: To be eligible for an HSA, an individual must be covered by a qualifying HDHP and not be covered by other non-HDHP health insurance.
• Spousal Coverage: If a spouse’s employer offers a family HDHP, both spouses can be covered under that plan, and both may be eligible to open and contribute to their own separate HSAs, even if they’re covered by the same HDHP.
• HSA Contribution Limits: Married couples who are both HSA-eligible and covered by a family HDHP share one family contribution limit. They can split this limit between their separate accounts in any way they agree upon.
• Benefits of Separate HSAs: Having separate HSAs allows spouses to potentially receive employer contributions to both accounts if both employers offer this benefit. While you can use funds from either HSA to pay for the other spouse’s qualified medical expenses, the individual accounts cannot be combined or rolled into each other.
• Important Note: The IRS treats married couples as a single tax unit for HSA contribution limits.

If two spouses are covered by the same family HDHP, their combined HSA contributions cannot exceed the family contribution limit, which is $8,750 for 2026. You cannot each contribute the full $8,750 amount, as this would exceed the family limit.

How do I use the money?

You’ll receive a debit card in the mail from Fidelity, which you can use to pay for eligible healthcare expenses. You can also pay expenses from your online Fidelity account.

Do I lose money I don’t use?

No! Your unused balance rolls over from year to year, and there’s no “use it or lose it” rule for HSAs. This is a bank account in your name, and the money stays with you.

What happens to the account if I leave Snowflake?

If you happen to leave Snowflake, the funds in your HSA are yours to keep, as long as you keep the account open—you can continue using the funds to pay for eligible health care expenses. However, you must be enrolled in an HSA/HDHP plan to contribute funds to the account. There is also an administrative fee of $2 per month you’ll pay as long as the account remains active.

Questions about the recent HSA transition?

On September 1, 2025, Fidelity became Snowflake’s Health Savings Account (HSA) administrator. Click here if you need more information about that transition.