A Health Reimbursement Arrangement, or HRA, is your employer's promise to pay. This set of funds is generously provided by your employer to help you offset a portion of your out of pocket costs related to your medical and prescription related expenses. Let's take a look and review your funding details.

Your flexible spending account allows you to set aside tax-free dollars out of your paycheck to be used on any qualified two 13 D expense. This listing of eligible expenses is really broad and you can review@irs.gov. The elected amount you set aside is available to you upfront, which is great, and then you pay your level deduction amount across your pay periods.

Your plan includes a grace period. This means you'll have extra time after the plan year ends to use any remaining funds. This gives you more flexibility and helps you make the most of your savings. Be sure to check your specific plan details, to understand your deadlines and options. Keep track of your expenses and submit receipts easily through your plan's mobile app or online portal so you can maximize your savings with tax free dollars.

Let's look at the details of this program.

A Limited Purpose Flexible Spending Account, or LPFSA, is a tax-advantaged account designed to give HSA participants an additional way to save each year, while protecting their Health Savings Account balance for medical-based care.

Because LPFSA contributions are made before taxes, you can lower your taxable income and keep more of your take-home pay. This account is structured to work alongside a Health Savings Account and follows IRS rules that allow both accounts to be used at the same time.

LPFSA dollars are limited to non-medical expenses, typically dental and vision care, such as dental treatments, orthodontia, eye exams, glasses, and contact lenses. By using LPFSA funds for these predictable expenses, you can preserve your HSA balance for medical needs now or in the future.

Each plan year, there is a maximum amount you can contribute to the LPFSA, set by the IRS. For the 2026 plan year, the IRS maximum contribution is $3,400.

You choose your annual contribution during enrollment, and that amount is deducted evenly from your paychecks throughout the year.

By separating dental and vision costs from medical spending, the LPFSA gives you another tax-advantaged savings avenue, allowing you to grow balances, save more, and make the most of your healthcare benefits while staying within IRS regulations.

For full plan details, including eligible expenses, contribution limits, and important timing rules, please refer to Sherp or the supporting documents available in your Hub.

This year, your company is offering an Individual Coverage Health Reimbursement Arrangement, or ICHRA, designed to give you more choice and flexibility in how you select your health coverage.

Instead of being limited to a one-size-fits-all group plan, the ICHRA allows you to choose a health plan that best fits your individual or family needs. You can compare plans, search for in-network providers, review prescription coverage, and evaluate costs to find an option that works for you and your budget.

This approach puts you in control of your healthcare decisions, while still receiving financial support from your employer. It also gives you the flexibility to adjust your coverage over time as your needs change.

You can explore plan options and get support directly through your Hub, making it easy to compare, enroll, and get help when you need it.

This year, your company is offering a Qualified Small Employer Health Reimbursement Arrangement, or QSEHRA, designed to give you flexibility and choice in how you select and pay for health coverage.

With a QSEHRA, you are not limited to a single group health plan. Instead, you can select a health plan that best fits your individual or family needs. You’ll be able to compare plan options, search for in-network providers, review prescription coverage, and evaluate costs to ensure you choose a plan that works for you and your budget.

This approach allows you to personalize your healthcare coverage while still receiving financial support from your employer. It also gives you the flexibility to adjust your coverage over time as your needs change.

You can explore plan options and get support directly through your Hub, making it easy to compare, enroll, and request help if you need it.

When you enroll in an HSA-qualified health plan, your employer may contribute to a Health Savings Account, or HSA, on your behalf.

An employer-funded HSA means your employer deposits money directly into your HSA account. These contributions are tax-free to you and are owned by you once deposited.

Depending on your employer’s plan design, you may also be allowed to contribute your own money to the account through payroll deductions, up to the annual IRS maximum for the plan year.

HSA funds can be used to pay for qualified healthcare expenses, including medical services, prescriptions, and other eligible costs. Unused funds roll over from year to year and remain available for future use.

As your HSA balance grows, the account may allow you to invest your funds. Investment earnings grow tax-deferred, and withdrawals for qualified expenses are tax-free.

Next, we’ll review the details of your employer-funded HSA, including contribution timing, available features, and how to access and use your account.

When you enroll in an HSA-qualified health plan, you may be eligible to contribute to a Health Savings Account, or HSA.

An employee-funded HSA is an account where all contributions come from you through payroll deductions. While your employer selects the HSA provider, the money you contribute belongs to you.

Your contributions are typically made before taxes, which can reduce your taxable income. You choose how much to contribute during enrollment, up to the annual IRS maximum for the plan year.

HSA funds can be used to pay for qualified healthcare expenses, including doctor visits, prescriptions, and other eligible medical costs. Unlike many other benefit accounts, unused HSA funds roll over from year to year.

As your balance grows, your HSA may offer the option to invest your funds. Any investment growth is tax-deferred, and when used for qualified expenses, withdrawals are tax-free.

Next, we’ll review the details of how your employee-funded HSA works and how you can use it to manage healthcare costs and build long-term savings.

Accidents happen. We've all been there.

Whether it’s a slip, a fall, or something more serious—life has a way of catching us off guard. That’s where accident insurance comes in.

This plan provides cash benefits paid directly to you when a covered injury occurs.

Whether you need an ER visit, a hospital stay, or follow-up care, it helps with the unexpected costs that come with accidents—supporting both the injury and the treatment that follows.

Payments are based on the care you receive and can include things like ambulance rides, imaging, physician visits, rehabilitation therapy, and more. Some benefits can even stack, depending on the type and severity of your injury—providing even greater support.

You choose how to use the money—whether that’s covering medical bills, household expenses, or anything else that matters to you.

Not sure what’s covered? Sherp is always here to help. He’s your digital guide to understanding your benefits in seconds—available right here in your Hub.

For more detail, check out the full plan summary in the Documents section. It includes helpful examples and an overview of available benefits.

And if have an accident and have questions or need help submitting or reviewing your claim, your broker or adviser is just a message away.

Accidents can’t be planned—but financial stress can be avoided. With this plan, you can recover with less worry and more control.

Critical illnesses like cancer, heart attack, or stroke can have a significant impact on your life and your finances. That's where critical illness insurance comes in. This plan provides a lump sum cash benefit paid directly to you upon diagnosis of a covered condition. Covered illnesses include things like invasive and noninvasive cancer, heart attack, stroke, organ failure, and conditions such as ALS, Parkinson's, or permanent paralysis.

The payment is yours to use however you need—medical treatment, travel for care, lost income, or everyday expenses like groceries and rent. Here's the key advantage: the benefit amount is often much higher than your health insurance deductible. That means it can help cover more than just bills—it can truly help offset the bigger financial burdens that come with a serious diagnosis.

Depending on your condition, you may receive the full benefit or a percentage of it, and if the illness returns, you may even be eligible for a recurrence benefit. Not sure what's covered? Sherp is always here to help. He's your digital guide to understanding your benefits in seconds—and if you need additional support, he can connect you directly to HR or your benefits advisor.

For full details, check the plan summary in the Documents section here in the Hub. It includes helpful examples and a complete list of covered conditions. A diagnosis can be life-changing, but with this plan, you don't have to face it alone. You've got support and options starting with Sherp. Critical illness insurance gives you financial breathing room when you need it most.

Offering clarity, confidence, and control when it matters most.