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 2024 | 2025) 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) |
| 2024 |
| Employee Only | $4,150 | $5,150 |
| Employee + One | $8,300 | $9,300 |
| Family (Employee/Spouse/Children) | $8,300 | $9,300 |
| 2025 |
| Employee Only | $4,300 | $5,300 |
| Employee + One | $8,550 | $9,550 |
| Family (Employee/Spouse/Children) | $8,550 | $9,550 |
Note: The contribution limits are determined by the IRS and are subject to change each year.
| Oracle’s Annual HSA Contribution |
| Medical Plan Coverage Level | Benefits Salary < $75K | Benefits Salary* $75K - $150K | Benefits Salary* $150K + |
| 2024 | 2025 |
| Employee | $950 | $650 | $350 |
| EE + Spouse | $1,450 | $1,000 | $550 |
| EE + Child(ren) | $1,450 | $1,000 | $550 |
| Family | $1,900 | $1,300 | $700 |
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 2024 information, and here for more 2025 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 $2,000, 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.