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New IRS HSA Announcement:

The IRS announced the following limitations on contributions to Heath Savings Accounts (HSAs) for the 2016 calendar year:

 *   $3,350 for individual coverage  (no change)

 *   $6,750 for family coverage  (+$100)

The IRS also announced the following adjusted limits for deductibles and out-of-pocket expenses for high deductible health plans (HDHPs) for the 2016 calendar year:

 *   Deductibles:  $1,300 for individual coverage or $2,600 for family coverage (No change)

 *   Maximum out-of-pocket expenses (deductibles, co-payments and other amounts, but not premiums): $6,500 for individual coverage (+$50) or $13,100 for family coverage (+$200)

These amounts will be updated in the applicable documents when we get closer to 2016.

See Revenue Procedure 2015-30 <> for the official guidance.

Latest HSA Investment and Interest Rates:

HCB Interest Rate Disclosure 092015

HCB Investment Options List as of 07012015

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Our Core Services Overview


POP - Premium Only Plan (essential for pre-tax savings)


FSA - Flexible Savings Account


HSA - Health Savings Account


HRA - Health Reimbursement Account (over 1,000 custom plan designs -  either Bundled, Retiree Coverage or with IRS approved Excepted Benefits)


Transportation Account (Mass Transit, Parking, Van and Bike)


Cobra and Retiree Billing Services


Compliance Testing - Plan Document Services and more!


Voluntary Employee Beneficiary Association (VEBA)








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Latest Updates


December 2014 -- Retroactive Transit Benefits Overview

December 2014 -- Application of Retroactive Increase in Excludable Transit Benenfits - IRS Notice

July 4th, 2014 -- New Rules Allow Carry-Over of Flexible Health Funds



November, 2013  --  New 2014 Changes for the Transportation Program


October, 2013 -- Changes to HRA and Individual Policies - Groom Law


September, 2013  --  Agencies Issue Guidance on Application Of ACA to HRAs, FSAs, Other Arrangements




August, 2013  -- The following items/services are now eligible for reimbursement without

a Letter of Medical Necessity:


  • Lactation Consultants
  • Massage Therapy
  • Sunscreen with SPF 15 or higher (previously it was SPF 30 or higher)



March 6, 2013 - WSJ Market Watch - Childcare tax breaks for working parents


January 1st, 2013 - How Healthcare Reform Changes FSA-HSA -




November 19, 2012 - Money Still in Your Flexible Spending Account?


November 16, 2012 - Why Don't You Have a FSA Account?"


November 7, 2012 - Tips on Flexible Spending Accounts


June 19, 2012 Obamacare Care Calls FSA Use It or Lose It into Question - Forbes


June, 2012  ---  New IRS guidance released on FSA contribution cap for 2013




August 22, 2011 - Minnesota Public Radio - Congress reconsiders restrictions on FSA for health care


July 31, 2011 - Sens. Cardin, Enzi Seek to End FSA "Use or Lose" Clause


July 29, 2011 - Will Congress Cure the Problems with Health Care FSAs?


May 25, 2011 - Read about the new 2011 OTC Changes


 H.R. 605 - Repeal Provisions (OTC and $2500) Summary and Sponsors for Legislative Action


What Our Customers are Saying

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Phone: (301) 977-8840


Toll Free number (877) 303-3539

Claim Fax: (877) 303-0742




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Claim and Correspondence mailing address:

PO Box 2401 Germantown MD 20875-2401