The government created Health Savings Accounts (HSAs) with huge tax breaks to help people save for future health care. It was a way of acknowledging that as costs continue to skyrocket, Social Security, Medicare and 401(k) s may not be enough to cover your health care costs in retirement.
If you're enrolled in the Aetna Health Savings Plan medical option, here are just two great reasons to contribute to a Health Savings Account:
Automatically save for health care expenses. You can set up regular payroll deductions to contribute to your HSA on a before-tax basis. The IRS annual maximum contribution (including your contributions and BMC's) for your HSA varies based on who you cover and your salary. The 2013 maximum allowable annual contribution is $3,250 for "you only" coverage or $6,450 for other coverage levels. If you are 55 or over, you can add $1,000 to the allowable contribution amount. You can start, stop or change this amount at any time during the year.
Keep your money. HSA money (including the BMC contribution and interest earned) is yours until you use it – even if you don't need it until next year, three years from now or into retirement. Unused money rolls over from year to year and can even be invested if your account balance grows high enough. You also can set up a beneficiary to inherit the money in the event of your death.
Good to Know
Read about why you might want to consider funding an HSA before an IRA or 401(k).
Learn how to change your contributions.
Get details about the BMC Health Savings Account here.
MyBMC Rewards provides a snapshot of your pay, retirement benefits, health and insurance benefits and corporate programs. Visit MyBMC Rewards to:
Go online anytime or call 877-262-4849. Representatives are available from Monday through Friday, 8 a.m. to 9 p.m., Eastern time.
From enrollment reminders to important 401(k) information and benefits updates, you can be the first to know when your attention or action is required.
The content on this site includes links to tools and information that are not the property of BMC Software, and BMC Software is not responsible for their accuracy, completeness or continued availability. Some of the material contained in this site is based on official plan documents. It is not, nor is it intended to be, the legal plan document or a contract between the company and any employee or contractor. Every effort has been made to ensure the accuracy of this material. In the unlikely event that there is a discrepancy between the site and the official plan documents, the official plan documents will control. BMC Software reserves the right to amend or terminate the plan(s) or program(s) at any time. If you believe the benefits do not describe those available to you, contact the Benefits Center at 877-BMC-4849.
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