No. To be eligible to open an HSA, you must be enrolled in the Sysco HSA medical plan. This is an IRS regulation. In addition, you cannot:

• Be enrolled in Medicare
• ‍Receive health benefits under Tricare
• Have received Veteran’s Administration benefits in the last three months. Note: If the care is related to a service-related disability, then the member would still be eligible for the HSA.
• ‍Be claimed as a dependent on another person’s tax returns
• Use a Flexible Spending Account (FSA) or Health Reimbursement Account (HRA); only a Limited Purpose FSA is permitted

No. An HSA is not a "use it or lose it" account like an FSA. One of the advantages of an HSA is that any unused money remains in your account.

During Annual Benefits Enrollment you will select the amount you would like to contribute to your HSA, up to the yearly IRS limits, found here. The amount you choose will be deducted from your paychecks. Review this Inspira Quick Reference Guide for additional details on your 2025 HSA.

In 2026, the HSA will be administered by HealthEquity. You can find more information here.

If you currently have a Sysco HSA, you can change your contribution amount, up to once per month, any time throughout the year before Oct. 31.

To change your contribution amount, go to the online Sysco Benefits Center. On the Home screen under Common Actions, you’ll see a tab that says Update My HSA Contribution. Or you can call the Sysco Benefits Center at 1-800-55-SYSCO (1-800-557-9726).

If you have any questions regarding your election change, please speak with a Sysco Benefits Center representative by calling 1-800-55-SYSCO (1-800-557-9726). If you have any questions regarding your 2025 HSA account or claims (not contribution changes), please contact Inspira at 1-844-729-3539.

In 2026, the HSA will be administered by HealthEquity. You can find more information here.

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Any HSA money that you don't use will remain in your account, so you don’t have to worry about losing any money from year to year.

Once you have fully opened and activated your HSA account, your pre-tax contributions can be added to your account.

In 2025, Sysco will automatically contribute $250 if you select Colleague Only coverage or $500 if you cover other family members. Then, you can make pre-tax contributions from your paycheck to build your savings to pay for healthcare now or in the future. Contact Inspira with questions regarding your HSA account.

In 2026, the HSA will be administered by HealthEquity. Beginning in 2026, if you enroll in the HSA, a minimum contribution of at least $50 (individual) or $100 (family) must be made during Annual Benefits Enrollment to receive the Sysco contribution of $250 (individual) or $500 (family). You can find more information here.

Colleagues must be hired before Oct. 31 to receive the Sysco HSA contribution for the current plan year. Anyone hired from Nov. 1 to Dec. 31 will not receive the Sysco HSA contribution for that plan year.

Beginning in 2026, if you enroll in the HSA, a minimum contribution of at least $50 (individual) or $100 (family) must be made during Annual Benefits Enrollment to receive the Sysco contribution of $250 (individual) or $500 (family). In 2026, the HSA will be administered by HealthEquity. You can find more information here.

Yes. Any contributions made by Sysco are counted toward the annual IRS contribution limit for your HSA.

No, HSA contribution election amounts do not roll over to the next plan year. To continue making contributions to your HSA in the next plan year, you must elect an HSA contribution amount during Annual Benefits Enrollment. If you do not elect a contribution amount for your HSA, your contribution amount will be $0 from payroll for the new plan year.

You should maintain records and keep your receipts in case the IRS were to audit your account and spending.

Inspira administers the 2025 HSA. They offer easy access to your account and excellent customer service. Once you’ve set up your account, you may contact Inspira to ask about investment options.

In 2026, the HSA will be administered by HealthEquity. Once you have $250 in your account, you have the option to invest your savings for the longer-term through HealthEquity’s investment funds. More information will be made available in 2026.

If you leave Sysco or choose another medical plan in the future, the money in the account is yours to keep.

The primary difference between a Health Savings Accounts (HSA) and a Flexible Spending Accounts (FSA) is that money contributed to an HSA carries forward to the following year if unused. In contrast, FSAs are “use it or lose it”. Also, in order to take advantage of the HSA you need to be enrolled in the Sysco HSA medical plan.

You cannot have a traditional Health Care FSA if you are enrolled in a high deductible health plan; however, you can have a Limited Purpose FSA. A Limited Purpose FSA is used to pay for out-of-pocket dental and vision expenses only.

The Limited Purpose FSA gives you an extra pre-tax savings option. However, it’s important to note that the Limited Purpose FSA can only be used for dental and vision expenses and is only for those colleagues enrolled in the HSA medical plan.