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Health Savings Account

If you choose the High Deductible Health Plan (HDHP), you may be eligible to participate in the Health Savings Account (HSA) through WEX. The HSA is a triple tax-advantaged account to help fund your out-of-pocket health care costs.

For those making $60,000 or less, JHU will make a contribution to your HSA to help offset your higher deductible. You are eligible to contribute to your HSA on a pretax basis and unlike the FSA, the funds rollover from year-to-year. You own the funds forever and decide when you want to use them. You can use your HSA funds to pay for eligible medical, prescription, dental, vision, and other health care expenses that you incur today – or later in life.

WEX maintains a list of HSA eligible expenses. When using this tool, be sure to filter by “HSA”.

Go to WEX to access your spending account

New Users: To register, enter your [JHED ID]@johnshopkins.edu in the field for Employee ID. Your username and email for registration is [JHED ID]@johnshopkins.edu.

webinar: health savings accounts

Tuesday, Nov. 4, 2025 at 2:00 PM EST

A Health Savings Account is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and other expenses, you may be able to lower your overall healthcare costs. But there is so much more to this underutilized benefit. Register for this webinar from financial well-being partner, Marsh McLennan Agency, to learn how to make the most of your HSA.

In order to have a HSA account, you must be enrolled in the university’s CareFirst BlueCross BlueShield High Deductible Health Plan. To be eligible, you must meet the following requirements, as defined by the IRS:

  • You are not covered by any other non-HDHP plan, such as a spouse’s plan.
  • You are not enrolled in Medicare, TRICARE or TRICARE for Life.
  • You cannot be claimed as a dependent on someone else’s tax return.
  • You have not received Veterans Affairs (VA) benefits within the past three months, except for preventive care. If you have a disability rating from the VA, this exclusion does not apply.
  • You are not covered by a traditional Health Care Flexible Spending Account (FSA) or Health Reimbursement Account (HRA). Alternative plan designs, such as a limited-purpose FSA or HRA, are permitted.
  • Students and learners are not eligible for the Health Savings Account.

Did you know?

You can start, stop, or adjust your contributions to your Health Savings Account at any time during the year. This flexibility allows you to adjust your contributions as your needs change. To do so, visit myChoices to file a life event and select HSA below Other Changes.