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Health Savings Account

The Medical/Dental Expense Account (MDEA) is considered a Low Deductible Health Plan (LDHP). Health Savings Account (HSA) rules require that in order to be eligible to contribute to an HSA, an individual cannot have any LDHP coverage, including a Healthcare Reimbursement Arrangement (HRA) or an MDEA. You can elect to have your MDEA or HRA account be limited to dental or vision expenses. This Limited MDEA or HRA allows you or your spouse to still maintain HSA eligibility. If you want to change your MDEA or HRA to a Limited Purpose account, please contact 121 Benefits, the State of Minnesota's pretax plan administrator, and complete the required form to make this change. The form is located within the Forms link under Elect Your Benefits.

Note that you can only change your MDEA to a Limited MDEA during each year's Open Enrollment or when you are first eligible for benefits, but you can change your HRA to a Limited HRA at any time during the year if your spouse is enrolling in a high deductible health plan and wants to contribute to an HSA. You can change your HRA to general purpose during the year if your spouse has had a change and is no longer in a high deductible health plan and will no longer contribute to an HSA. You cannot change your Limited MDEA to a general purpose during the year. Please call 121 Benefits for details.

In addition, if your eligible dependent is employed elsewhere and is eligible to contribute to an HSA and their expenses could potentially be submitted under your or your spouse's MDEA or HRA that is not limited purpose account (limited to dental or vision) through the end of the year they turn 26, your dependent is not eligible to make or receive HSA contributions.

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