You decide how much money you want to save in your HSA, and you can change it at any time. It’s a smart idea to save enough to cover your annual deductible.
For 2026, you can save up to $4,400 if you’re covering just yourself, or $8,750 if you’re covering yourself and your family. If you’re age 55 or older (or will turn age 55 during the plan year), you can also make additional “catch-up” contributions to your HSA up to $1,000.
Associates who set up their HSA account and accept the terms and conditions with Optum Bank will receive an HSA seed from PetSmart. This will be deposited on a per paycheck basis ($4.80 or $9.61 for weekly payrolls and $9.61 or $19.23 for biweekly payrolls).
Associate only: $250
Associate plus dependent(s): $500
With the PetSmart seed, the annual contribution an associate can contribute is $4,150 for associate only and $8,250 for associate plus dependent(s).
HSA seed will be prorated based on benefit effective date. Participants must open an HSA account with Optum Bank to receive the seed contribution.
And if you don’t need that much health care, your money stays in your account and earns tax-free interest. It’s a great way to save for future expenses.
