Your health, your choice

When it comes to health care, the “one size fits all” approach doesn’t work. That’s why you have options — so you can choose the plan that best fits your needs.

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What's New for 2025

Your plan options are changing for 2025

You now have two plan options: the Health Savings Plan and the new Premium Plan. The Premium Plan is replacing the Shared Deductible and Standard Plans in 2025.

Premium Plan: The new Premium Plan has flat copays and no deductible when you receive services from an in-network provider. No additional copays apply once your out-of-pocket maximum is met for the year.

The Premium Plan won’t have a Health Reimbursement Account (HRA). If you’re in the Shared Deductible Plan, have money in your HRA, and switch to the Premium Plan, your HRA will be automatically used to pay your medical costs until the money runs out. If you switch to a different plan, you won’t be able to use any remaining HRA money.

Note: If you’re enrolled in the Shared Deductible Plan or Standard Plan for 2024, you’ll be automatically enrolled in the Premium Plan for 2025 with your current carrier, unless you choose a different plan.

Health Savings Account (HSA) limits are increasing

An HSA is available only with the Health Savings Plan. In 2025, the contribution limits will be as follows:

  • Employee-only HSA: $4,300 (up from $4,150 in 2024)
  • Family HSA: $8,550 (up from $8,300 in 2024)

As in past years, Amazon will contribute the following:

  • $500 to an employee-only HSA
  • $1,000 to an employee plus spouse or children HSA
  • $1,500 to a family HSA

For additional information about your open enrollment window or your benefits, visit Amazon A to Z.

Premium Plan

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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.

*Please note members previously enrolled in the Shared Deductible Plan will be allowed to spend their remaining HRA dollars. Members previously enrolled in the Shared Deductible Plan who have used all their HRA dollars will still see reference to the Aetna HealthFund HRA on the member website/app, EOBs, etc. 

Plan Highlights

  • Paycheck contributions $$$
  • Annual deductible None1
  • Annual out-of-pocket maximum $$
  • Out-of-network coverage
  • No referrals needed to see specialists
  • 100 percent coverage for preventive services
  • Health care FSA

1 excludes out-of-network costs


Health Savings Plan

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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.

Plan Highlights

  • Paycheck contributions $$
  • Annual deductible $$
  • Annual out-of-pocket maximum $$
  • Combined deductible for medical and prescription drugs
  • Access to out-of-network coverage
  • No referrals needed to see specialists
  • 100 percent coverage for preventive services
  • Company-funded HSA
  • No flexible spending account (FSA)

See the differences between an HRA, HSA and FSA.


Additional Member Benefits 

Transgender benefits

Your Aetna medical plan covers medically necessary services for gender dysphoria based on the Standards of Care published by the World Professional Association for Transgender Health (WPATH).

This guide can help you understand your benefits and how to use them. It also includes information on how to access doctors, hospitals and other services, and receive reimbursement for your treatment costs. Share this information with your doctors so they are aware of your coverage.

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