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    • Home Employers Health Savings and Spending Accounts

    Health Savings Accounts and Health Spending Accounts

    Pair a medical plan with an HSA, HRA, or FSA to help your employees plan and save for all the ordinary and extraordinary healthcare moments.

    Building a new benefits package?

    Plans offered by Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of California, Inc., Cigna HealthCare of Colorado, Inc., Cigna HealthCare of Connecticut, Inc., Cigna HealthCare of Florida, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Indiana, Inc., Cigna HealthCare of St. Louis, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of New Jersey, Inc., Cigna HealthCare of South Carolina, Inc., Cigna HealthCare of Tennessee, Inc., and Cigna HealthCare of Texas, Inc.

    Savings Without Shifting Costs to Your Employees

    A Consumer-Driven Health Plan (CDHP) from Cigna HealthcareSM can help keep costs manageable while providing plan value to employees. We offer the flexibility to combine a medical plan with either a Health Savings Account (HSA) or Health Reimbursement Account (HRA). A Flexible Spending Account (FSA) may also be paired, depending on the plan structure.

    Our integrated benefits are easy for you to implement, administer, and maintain, and are designed to motivate your employees to engage in healthy life choices.

    Health Savings Account (HSA)

    Gives your employees ownership of a tax-exempt savings account they can use to contribute pre-tax dollars to pay for covered health care costs.1

    Health Reimbursement Account (HRA)

    Combines a health plan with an employer-funded HRA to help employees pay for covered health care costs.

    Flexible Spending Accounts (FSAs)

    Three cost-effective options to help your employees meet their health care and dependent care needs.

    Benefits of Cigna Healthcare Spending and Savings Accounts

    • Single customer service phone number
    • Single contact for employer
    • Debit card for immediate access to funds
    • Autopay available on Medical**
    • Streamlined client funding of accounts
    • 24/7 customer service and access on myCigna
    • Submit reimbursement requests online or by app**
    • Flexible funding design**
    • Direct deposit**

    ** HRA and FSA only.

    Features may vary based on employer elections.

    Employees Get 24/7 Access to Health Plans

    myCigna makes it easy for your employees to make the most of their plan benefits in real time. Employees can:

    • Find in-network providers and services
    • Manage health care spending
    • Refill prescriptions
    • Get 24/7/365 support
    • Submit reimbursement claims

    Learn more about myCigna

    View Cigna Healthcare Company Names

    1 HSA contributions and earnings aren't subject to federal taxes and aren't subject to state taxes in most states. Contact a tax professional for information about your state.

    Plans include exclusions and limitations and may not be available in all areas. For costs and details of coverage, contact a Cigna Healthcare representative.

    Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.

    Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT), Connecticut General Life Insurance Company, Evernorth Behavioral Health, Inc., Evernorth Care Solutions, Inc., Express Scripts, Inc., or their affiliates, and HMO or service company subsidiaries of Cigna Health Corporation. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT).  Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).

    © 2025 Cigna Healthcare.

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    Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

    All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of New Mexico.

    Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details

    La aseguradora publica el formulario traducido para fines informativos y la versión en inglés prevalece para fines de solicitud e interpretación.

    The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.