The UMP website is moving. This website contains 2019 UMP information for PEBB members only (through the end of 2019). If you are a PEBB member and/or you will be a new School Employees Benefits Board (SEBB) member and you need 2020 UMP benefits information, visit our new UMP website.

Health Savings Account

Your UMP CDHP Health Savings Account

You are automatically enrolled in a Health Savings Account (HSA) through HealthEquity when you enroll in UMP CDHP. Your HSA is a tax-advantaged spending and savings account that can be used to pay for qualified medical expenses. Your HSA is funded by pre-tax contributions from you, your employer, or both.

Learn about the differences between an HSA and a Medical Flexible Spending Arrangement (FSA).

Yearly HSA deposits

The State of Washington will contribute $700.08 for one person, and $1,400.04 for more than one person on an HSA account. The amount is deposited in equal amounts over the calendar year. Employer contributions are made only during the months you are enrolled in UMP CDHP. You may also make contributions to your HSA account. To confirm the maximum annual contribution, visit the IRS website. The State of Washington’s contributions count toward the limit, as does the SmartHealth incentive (see below).

You can use your HSA to pay for member cost-sharing and other qualified medical expenses as described in Internal Revenue Code 223(d) (2), including expenses not normally covered by the plan. You can use HSA funds to pay for expenses for your spouse or tax dependents, even if they are not covered by UMP CDHP. The Internal Revenue Service determines which services are eligible for reimbursement through an HSA, and who can pay for services using HSA funds. For a list of items and services that you can pay for with your HSA funds, visit the HealthEquity website or call 1-844-351-6853 (TRS: 711).

Many employers will deduct pretax funds from your paycheck and deposit directly to your HSA. Here's the employee authorization for payroll deduction to Health Savings Account form you must submit.

If you qualified for the SmartHealth wellness incentive

The subscriber is the only member eligible to earn the SmartHealth wellness incentive. A federal requirement mandates a minimum deductible for CDHPs. Therefore, the PEBB Program is not allowed to reduce the UMP CDHP deductible by $125.

If you earned the wellness incentive for 2019, the PEBB Program will deposit $125 into your HSA in January. This counts toward your maximum annual contribution. You may need to adjust your payroll contributions to make sure you don’t exceed your maximum allowed contribution for the year.

How to use your HSA to pay

You may pay for qualified medical expenses by using your HealthEquity debit card at the time of service.

You may also pay for qualified medical expenses by:

  • Logging in to your HSA and designating payment to be sent by HealthEquity directly to the provider. Note: You can make a partial payment using this method.
  • Logging in to your HSA and paying yourself back for a qualified medical expense you paid using non-HSA funds. For example, if you paid cash at your provider’s office for qualified medical expenses, you can reimburse yourself from your HSA.

For a list of items and services that you can pay for with your HSA funds, visit the HealthEquity website or call 1-844-351-6853 (TRS: 711).


Phone: 1-844-351-6853
TRS: 711
Business hours: 24 hours a day, 7 days a week