There are some important rules to know about HSA eligibility:

• You cannot be covered by any other non-HSA-compatible health plan, including Medicare Parts A and B
• You cannot be covered by TriCare
• You cannot have accessed your VA medical benefits in the past 90 days (to contribute to an HSA)
• You cannot be claimed as a dependent on another person’s tax return
• You must be covered by the qualified CDHP on the first day of the month

Benefits for you

• Proofpoint will fund your HSA quarterly. We’ll contribute more than half the deductible amount, annually!
  • Cigna CDHP: Up to $1,200 (employee only) or $2,400 (you + 1 or more dependents) 
  • Kaiser CDHP: Up to $1,000 (employee only) or $2,000 (you + 1 or more dependents) 
• It’s triple tax-advantaged. You don’t pay federal taxes on the money you set aside, your balance earns interest tax-free, and you won’t pay taxes on withdrawals (for qualified expenses).
• Your funds never expire.  You own your HSA and the funds are yours to keep even if you leave the company.
• You can adjust your payroll contribution at any time during the year.

Important rules

• You must spend your funds on qualified medical, dental and vision expenses.
• The 2026 maximum allowed contribution into your HSA is $4,400 for individual coverage and $8,750 for family coverage (this limit includes Proofpoint’s contribution to your HSA). An additional $1,000 is allowed at age 55+.
• If you have an HSA, you cannot also have a general purpose healthcare FSA. However, you can have an HSA and a limited purpose FSA covering just dental and vision.

HSA Resources

Click below to view the CDHP Easy Guide

CDHP Easy Guide

Benefits for you

• There are three different types of FSAs: General purpose healthcare (medical, dental and vision), limited purpose healthcare (dental and vision only), and dependent care.
• Double tax-advantaged: You don’t pay federal taxes on the money you set aside, and you won’t pay taxes on withdrawals (for qualified expenses).
• You must carefully project your annual spending because you can only roll over $680 of unused funds from the healthcare FSA into the next year. There is no rollover for the dependent care FSA.
• Your enrollment is binding, which means you cannot change your contribution throughout the year unless you have a qualifying life event.

Submit Your 2025 Expenses

• If you were enrolled in an FSA for 2025, don’t forget to submit your eligible 2025 expenses to Navia by March 31, 2026. To file your claims, visit Navia’s portal.
• Both the Healthcare and Limit Purpose FSA offer a carryover option for unused funds. Any balance:
  • $680 or less in either of these accounts at the end of 2025 was carried over into 2026.
  • Over $680 that isn’t submitted as a valid 2025 expense by March 31 will be forfeited, per IRS guidelines (“use it or lose it”).
• If you were enrolled in a Healthcare FSA in 2025 and are you enrolled in a CDHP Medical Plan for 2026, any eligible carryover funds are automatically transferred to a Limited Purpose FSA, under IRS rules.

Restrictions

• If you have an HSA, you cannot also have a general purpose healthcare FSA. However, you can have an HSA and a limited purpose healthcare FSA covering just dental and vision.
• You must spend your funds on qualified medical, dental and vision or daycare expenses.
• The 2026 maximum allowed contribution into your general purpose or limited purpose FSA is $3,400.
• The maximum for the dependent care FSA is $7,500 per married couple filing jointly, or $3,750 if married and filing separately.

FSA Resources