How Much Can You Contribute?
Contribution opportunities are based on your medical plan coverage level per the chart below. The combined contributions from ALL sources (including Oracle's contribution 2026|2027) cannot exceed the stated limits. If you and your spouse are both age 55 or above you can both contribute an additional $1,000. However, your spouse must have his/her own health savings account (HSA) to contribute the additional $1,000. As an Oracle employee, you can contribute $1,000 of catch up contributions to your account - not $2,000.
Medical Plan Election
Coverage Level | Contribution Maximum
(Excluding Catch-Up) | Contribution Maximum
(Including Catch-Up) |
| 2026 |
| Employee Only | $4,400 | $5,400 |
| Employee + One | $8,750 | $9,750 |
| Family (Employee/Spouse/Children) | $8,750 | $9,750 |
| 2027 |
| Employee Only | $4,500 | $5,500 |
| Employee + One | $9,000 | $10,000 |
| Family (Employee/Spouse/Children) | $9,000 | $10,000 |
Note: The contribution limits are determined by the IRS and are subject to change each year.
Oracle HSA employer contributions are paid each pay period and the amount is deposited into your HSA within 3-5 business days after each pay date.
| Oracle's Annual HSA Contribution |
| Medical Plan Coverage Level | Benefits Salary <$75K | Benefits Salary* $75K - $150K | Benefits Salary* >$150K |
| 2026/2027 |
Employee (EE) | $36.53
(approx. $950
annually) | $25.00
(approx. $650
annually) | $13.46
(approx. $350
annually) | EE + SP / DP | $55.76
(approx. $1,450
annually) | $38.46
(approx. $1,000
annually) | $21.15
(approx. $550
annually) | | EE + Child(ren) | $55.76
(approx. $1,450
annually) | $38.46
(approx. $1,000
annually) | $21.15
(approx. $550
annually) |
|---|
| Family | $73.07
(approx. $1,900
annually) | $50.00
(approx. $1,300
annually) | $26.92
(approx. $700
annually) |
|---|
Effective 1/1/2027, the eligible employer contribution amount, including any applicable proration, will be divided evenly across your remaining paychecks in the calendar year while you maintain eligibility.
Note: The middle tier applies to salaries $75k to $150 (inclusive). The third tier applies to salaries of $150,000.01 and above. Click here for more 2026 information, and here for more 2027 information.
Invest your Health Savings Account (HSA)
Your HSA contributions are held in your own individual interest bearing account at Optum Bank. Once your balance reaches $500, you have an opportunity to grow your money further by investing a portion of your savings in Optum Bank's mutual fund offerings.
Learn about your HSA Investment Opportunities.
Information Videos
Optum Bank Schedule of Fees
Oracle pays the monthly account maintenance fee on behalf of active Oracle employees currently enrolled, or previously enrolled in the HSA Medical Plan. Oracle does not cover this fee for Terminated employees or COBRA continuants.
Other bank fees are your responsibility and are subject to change. You can find the Optum Bank Fee Schedule in the Account Management section when you log into www.optumbank.com.