If you’re enrolled in the Health Savings Plan, you and Sandia contribute to a Health Savings Account (HSA). The money in your account helps you cover out-of-pocket medical expenses. You can also use the money in your HSA to pay for everyday health-related purchases.

The money in your HSA covers items like sunscreen, allergy medications, first aid supplies, feminine hygiene products and more. Even better, your paycheck goes further when you pay for them with the pretax dollars in your HSA.

Over the course of a year, these expenses can add up and eat a big chunk of your disposable income. For a list of HSA-eligible expenses, check out the Optum medical expense eligibility tool.

To pay with money from your HSA, use your HSA debit card, or pay out of pocket, save and store your receipts, and submit them at any time through the Optum Bank website.

When contributing to your HSA, keep in mind that your contributions and Sandia’s cannot exceed annual IRS limits. Sandia’s contributions include a match on what you contribute and incentives you earn for completing healthy activities. Get all the details at hr.sandia.gov.

Home repairs, car expenses, legal and tax advice — you do your best to plan and budget for the expenses you can anticipate, but what about those unplanned expenses, the ones you need to dip into your emergency fund to cover?

Before you tap your emergency fund, see if the expense is covered by the Sandia Lifestyle Spending Account (LSA). If you’re a benefits-eligible employee, Sandia will reimburse you up to $500 each year for a wide variety of lifestyle services and programs through the LSA, administered by Inspira Financial.

Even if you don’t have an emergency expense, make sure you’re submitting an LSA claim for reimbursement. You could be missing out on free money from Sandia, and that money could seed the emergency fund you’ve been meaning to set up.

To file a reimbursement claim, visit Inspira Financial.

Partner with a dedicated care expert who can help you find reputable day care that fits your budget. Finding the right caregiver for your little one can be a big, stressful decision. You don’t have to go it alone.

Work with Wellthy to get support. It’s easy to set up a Wellthy account, share your care needs and get matched with a care professional. Get started at wellthy.com/sandia.

Sandia Childcare Fund

Sandia will reimburse eligible employees up to $1,500 each year to help offset the cost of childcare during business hours. Visit Inspira Financial or call 833-419-0287.

Dependent Care Flexible Spending Account (DCFSA)

A DCFSA helps stretch your paycheck. With the DCFSA, you set aside tax-free money to help pay for qualified dependent care while you’re at work.

Contribute $100 to $5,000 per year. (IRS limits apply if both you and your spouse have a DCFSA.)

Use your account to pay for eligible dependent care expenses for your children under age 13 or for older children and family members who need help caring for themselves.

Eligible expenses include before-school and after-school programs, day care, day camps, nanny care, preschool tuition and eldercare expenses.

Inspira Financial administers the DCFSA. You can enroll in the DCFSA during benefits open enrollment each year.