Health Savings Account

Both medical plan options may be paired with a Health Savings Account (HSA) to help pay for eligible healthcare expenses.

You can earn or receive contributions to your HSA from UBS in addition to the pre-tax dollars you opt to save.

Contributing to an HSA is not available if you're enrolled in Medicare or Tricare. Read why and what the alternative is.

Advantages of an HSA

UBS contributions

Contributions from UBS (depending on your Benefits Base Salary).

Eligible employees with a Benefits Base Salary (BBS) of less than $300,000 will get an automatic UBS contribution - this is the annual core contribution.* This contribution amount is not subject to increase or decrease as the result of a Qualifying Life Event (QLE) within the plan year.

All eligible employees, regardless of BBS level, may earn annual wellness contributions.

*2026 UBS contributions to your HSA by type and employee BBS level**
BBS ($)	Annual	Annual Wellness Related¹	Total 2026 Opportunity
Employee-only Medical Coverage Benefits Base Salary	2026 Annual Core (Annual UBS contributions)	2026 Annual Wellness (UBS contributes if you complete wellness activities)	2026 Total Contribution (Total UBS will put in your HSA, provided you complete wellness activities)
Under $100k	$ 300	$ 400	$ 700
$100k–$300k	$ 200	$ 400	$ 600
Over $300k	$ 0	$ 400	$ 400
Family Medical Coverage Benefits Base Salary	2026 Annual Core (Annual UBS contributions)	2026 Annual Wellness (UBS contributes if you and your spouse/partner complete wellness activities)	2026 Total Contribution (Total UBS will put in your HSA, provided you and your spouse/partner both complete wellness activities)
Under $100k	$ 600	$ 800	$1,400
$100k–$300k	$ 400	$ 800	$1,200
Over $300k	$ 0	$ 800	$ 800
Actual amount depends on Benefits Base Salary level. UBS reserves the right to change or terminate its benefit plans at any time, including, without limitation, changing the amount of any UBS contributions to HSAs. UBS contributions to your Health Savings Account are contingent upon your being employed by UBS on the date the contributions are made to the account. Wellness contributions are the maximum you can earn for Employee Only and Family coverage for a given plan year. *See Wellness section under UBS HSA contribution types below for details with respect to dependent children. For a definition of Benefits Base Salary, please see the Terms section. "Spouse/civil union partner/domestic partner" is referenced in the table above and the explanations below as "spouse/partner" for brevity.

UBS HSA contribution types

Annual Core: These UBS contributions are also tied to pay levels (BBS lower than $300k) and are anticipated to be annual contributions from the firm to your HSA, provided your BBS is less than $300k.

Wellness: All employees and their covered spouses/domestic partners are eligible to earn these UBS contributions to their HSA provided they complete wellness activities as presented in the Let’s Be Well section of this website. Dependent children cannot earn incentives; if you cover yourself and a child or children, but not a spouse/domestic partner, you will personally have access to complete additional wellness activities via MyActiveHealth in order to earn the maximum $800 contribution for family coverage.

Regarding Wellness activities: UBS will not have access to your or your family’s individual information, health status or the details of your participation any Wellness programs. With respect to Wellness Programs, UBS will only be notified by ActiveHealth of completion of a given activity. UBS is not requesting or receiving any family medical history or genetic information as part of the wellness incentive. Further, when it comes to healthcare, your privacy is protected by federal law. Your personal information and results are yours and yours alone, although you may wish to share them with your doctor. Our plans will report overall claims information and wellness participation results to UBS (no individual data) so we can track the health risks that challenge our population as a whole, as well as the results of our wellness programs. This gives us an opportunity to develop and modify our programs and resources so they are most beneficial to our employees.

Your contributions

Earn contributions for wellness activities

Triple tax savings

No use it or lose it

Options to invest

Tools & Resources

Important notes

¹Your contributions plus any UBS contributions can’t exceed IRS limits. If you are enrolled in a government-sponsored medical plan, such as Medicare or Tricare, you can't contribute to an HSA. Receiving Social Security Benefits affects Medicare enrollment. Learn more and understand your options
² Most state tax laws align with federal laws, with some exceptions. As of 2022, California and New Jersey HSA tax laws differed from the federal HSA tax laws. New Hampshire and Tennessee tax interest and dividends only when a certain dollar amount is reached. UBS does not provide tax advice. Please consult with your accountant or tax advisor.

UBS contributions are contingent upon your being employed by UBS on the date the contributions are made to the account. Please make sure you review the types of contributions. UBS reserves the right to change or terminate its benefit plans at any time, including, without limitation, changing the amount of any UBS contributions to HSAs.

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Health Savings Account