Health Savings Account

HSA — your money, your future.

Save and pay for qualified healthcare expenses with pre-tax dollars when you enroll in the Cigna HDHP.

Your guide

Make the most of your HSA

Review eligibility first, then compare contributions, expenses, and long-term advantages.

What is an HSA?A tax-advantaged savings account paired with the Cigna HDHP

A Health Savings Account (HSA) is a personal savings account you can use to pay for qualified healthcare expenses — like doctor visits, prescriptions, dental and vision care. It's available when you enroll in the Cigna HDHP.

You and Gong both contribute, up to the IRS annual limit.
Money goes in tax-free, grows tax-free, and comes out tax-free for qualified expenses.
Your balance rolls over every year and stays with you, even if you leave Gong.
You can invest your balance to grow savings for future healthcare or retirement.

Video: What is an HSA?

Open on Vimeo

Video: How does HSA Work

Open on YouTube

Are you eligible?The requirements for contributing to an HSA

You must meet every requirement below:

Enrolled in the Cigna HDHP
Not covered by other non-HDHP medical coverage, including Medicare, Medicaid, or Tricare
Not claimed as another person's tax dependent
Not enrolled in a healthcare FSA, except a Limited Purpose FSA for dental and vision

2026 contributionsGong funding, your maximum, and catch-up amounts

Your contributions and Gong's contribution combined cannot exceed the IRS annual limit.

Gong contribution — single: $750
You may contribute — single: Up to $3,650
2026 IRS limit — single: $4,400
Gong contribution — family: $1,500
You may contribute — family: Up to $7,250
2026 IRS limit — family: $8,750
Age 55+ catch-up: Additional $1,000

Gong contributions are deposited at the start of each month and prorated for hire date and qualified enrollment changes. You may adjust your payroll contribution during the year.

2027 contributions and limitsGong contributes $875 single · $1,750 family

2027 IRS limits are final — confirmed by the IRS in May 2026.

Gong contribution — single: $875/year
You may contribute — single: Up to $3,625
2027 IRS limit — single: $4,500
Gong contribution — family: $1,750/year
You may contribute — family: Up to $7,250
2027 IRS limit — family: $9,000
Age 55+ catch-up: Additional $1,000

Gong deposits the HSA seed on its semi-monthly payroll schedule into your Fidelity HSA.

Use and manage your accountDebit card, eligible expenses, and account access — Fidelity starting in 2027

New for 2027: Fidelity

Starting January 1, 2027, your HSA moves from Navia to Fidelity. Your Fidelity HSA opens automatically, and you sign in with the same login you use for your Gong 401(k). There are no account fees, and you can invest from your first dollar.

Use your HSA debit card for eligible office visits, lab tests, prescriptions, dental and vision care, and certain drugstore items. You may also pay out of pocket and reimburse yourself later.

For 2026, register at Navia with Gong employer code NG3, or call (800) 669-3539.

Why an HSA is differentTax advantages, rollover, portability, and retirement

Contributions are federally tax-free, and withdrawals for qualified healthcare expenses are tax-free.
There is no use-it-or-lose-it rule; the full balance rolls over every year.
The account belongs to you if you change plans, leave Gong, or retire.
After age 65, qualified healthcare withdrawals remain tax-free; other withdrawals are taxable but not penalized.
Navia offers investment options so eligible balances can grow for future care.