Our Anthem High Deductible Health Plan (HDHP) is a comprehensive solution designed to prioritize your health and financial well-being. With a focus on preventative care, it covers these essential services at 100%, ensuring you have access to crucial preventive measures without any out-of-pocket expenses.

For non-preventive care, including prescriptions, the plan operates on a deductible basis. Members are responsible for costs until the deductible is met, after which in-network medical care is covered at 100%.

Anthem Contact Information:
Anthem Blue Cross & Blue Shield
1155 Elm Street, Suite 200
Manchester, NH 03101-1505
Member Services 
Phone: (833) 621-0307
Fax #: (603) 695-7067

Effective July 1, 2025 (FY26)

2000 HDHP HSA Plan: A $2,000 deductible for individual plans and $4,000 for two-person or family coverage.

• Police Unions (MAPS, MPPA): Lumenos HDHP with HSA Regional Plan Summary of benefits
• All other Unions & Non-Affiliated Employees: Lumenos HDHP with HSA Regional Plan Summary of benefits

5000 HDHP HSA Plan: A $5,000 deductible for individual plans and $10,000 for two-person or family coverage. An option that typically features lower premium costs, ideal for those who want to save on monthly expenses and are comfortable with a higher deductible. (Only available to certain groups/unions)

• Police Unions (MAPS, MPPA): Not Eligible
• All other Unions & Non-Affiliated Employees: Lumenos HDHP with HSA Regional Plan Summary of benefits

Both options are HSA-compatible, allowing you to set aside pre-tax dollars for qualified medical expenses, adding another layer of financial flexibility.

Health Savings Account (HSA)

This plan is accompanied with a Health Savings Account (HSA), a flexible bank account tailored to assist in covering your deductible expenses. What sets our HSA apart is the rollover feature, allowing any remaining funds to seamlessly transfer into the next plan year, providing continuous financial security and peace of mind.

City of Manchester HSA Contributions

When you enroll in an eligible High Deductible Health Plan (HDHP), the City of Manchester contributes directly to your Health Savings Account (HSA) to help support your healthcare expenses. These annual contributions are intended to offset out-of-pocket medical costs and are based on your selected plan and coverage level.

2000 HDHP HSA Plan (75% of Total Deductible):

• Individual Coverage: $1,500 per plan year 
• Two-Person or Family Coverage: $3,000 per plan year 

5000 HDHP HSA Plan (50% of Total Deductible):

• Individual Coverage: $2,500 per plan year
• Two-Person or Family Coverage: $5,000 per plan year

Please note: City contributions count toward the annual IRS HSA contribution limits.

Age 55+ can make an additional $1,000 catch-up contriubtion.

Utilize this HSA Bank Calculator link to determine your maximum allowed contributions and the IRS guidelines, contribution limits and eligible expenses link to view yearly limits.

HSA Resources:

HSA Bank offers Webinars covering a range of topics. Click this link, HSA Bank Webinar Schedule to learn more and register.

• Publication 502 Treasury Department Medical & Dental Expenses
• Is an HSA Right for you?
• HSA Approved Purchases
• HSA Designating a Beneficiary
• HSA Frequently Asked Questions
• HSA Investment Options
• HSA Investment Options (Spanish)
• HSA Overview
• HSA Overview (Spanish)
• HSA What To Expect Next
• HSA What To Expect Next (Spanish)
• HSA Why Contribute
• HSA Why Contribute (Spanish)

HSA Account Contact Information:
HSA Bank
English: (800) 357-6246 | (414) 978-5294
Spanish: (866) 357-6232
Email: askus@hsabank.com
Available 24 hours a day, 7 days a week