Your health, your choice

The Premium Plan provides both in-network and out-of-network coverage, but you pay less when you see providers in the network. There is no deductible for services received in-network so you just pay copays. In addition, you don’t pay for preventive services, such as annual exams or immunizations — the plan pays 100 percent. The Premium Plan does not come with an HRA or HSA (health savings account), but you have the option of enrolling in a health care FSA (flexible spending account). Then you can use FSA dollars to help pay the plan’s out-of-network deductible and your share of the costs when you receive care.

*If you are enrolled in the Premium Plan and still have leftover HRA dollars (from previously being enrolled in the Shared Deductible Plan) you will continue to be able to utilize those funds in 2026 if you remain in the Premium Plan. Members who have used all their HRA dollars will still see reference to the Aetna HealthFund HRA on the member website/app, EOBs, etc. 

The Health Savings Plan is a high-deductible health plan that comes with a health savings account (HSA). An HSA is a company-funded account you can contribute pretax dollars to. Company contributions are not funded up front but throughout the plan year. You can choose to use HSA money to cover immediate costs or for future expenses. The money in your HSA earns interest and you have investment options, which means your balance can increase or decrease depending on your investments. If you don’t use all the money in your HSA during the plan year, the remaining amount stays in your account even if you change plans, retire or leave the company.