The contribution amount you select when making your HSA election is automatically reduced by any employer contributions you are eligible for but does not take into account any wellness incentives you may decide to earn (e.g., Rally Health Survey, Biometric Screening). You must decrease your contribution amount by any wellness incentives you earn or plan to earn for the year – otherwise you risk overcontributing by year end.

For example, if you are under 55, enroll in family coverage during Annual Enrollment your contribution limit for the year is $7,300. If you are eligible for $1,000 in employer contributions and elect a weekly amount of $126, your total contributions will be $7,300 for the year. Should you earn any incentives you will have overcontributed by the total amount of incentives.