Category: Health Savings Accounts

Don’t Have an HSA? That’s SO 2004!

In the Dallas area? If so, join Sterling’s Gentrie Pool at the NAIFA luncheon on August 25th at the Prestonwood Country Club, to hear her presentation, “Don’t Have an HSA? That’s SO 2004!” For more info or to register, click here:

Vice President of Sales for Sterling Administration, Gentrie Pool has a long line of industry credentials and excellent experience to help Sterling clients design and implement plans that deliver results for employers and employees. Prior to joining Sterling, Gentrie served in leadership roles in employee benefits specifically related to Account Management, Production, Director of Operations, Human Resources, Payroll, Corporate Training and Communication. After 10 years on the broker side of the business, she has spent the last 6 years on the carrier/TPA side. Gentrie is the former president of the Fort Worth Association of Health Underwriters, serving on the board for 10 years at both the local and state levels. She holds her L&H and P&C licenses in multiple states, as well as her RHU, REBC, SGS and CSA designations. She is currently working toward her CEBS designation. Gentrie also has a Master of Science in Communication Studies from Texas Christian University. Most importantly, she has a 360 degree perspective on how the landscape of employee benefits affects both the employer and employees.

April 2016 Letter to Sterling HSA Accountholders

All Sterling HSA accountholders may now log on and view their quarterly statement. Simply log on to your account at and click the “Statements” button.  If you have any questions about your statement, please contact customer service at 800.617.4729 or

Reminders and Tips

Below we’ve provided a few housekeeping tips to ensure your account is up to date, and compliant with IRS regulations. Please review the below, and let us know if you have any questions or need help.

Review Your Annual Limits

For the calendar year 2016, the IRS guidelines allow you to contribute $3,350 if you are covered by an individual health plan and $6,750 if you have family coverage. You may contribute up to this maximum amount at any time during the year. Our fees are deducted monthly from your account balance and are not considered contributions toward the IRS allowed contribution limits. Remember that a minimum $20 balance must be kept in the account at all times.

Check Your Contribution Levels

If your employer is making contributions on your behalf, please note that the IRS contribution maximums are the combination of any contribution your employer makes and any contribution that you make.

If Applicable, Please Update Tier Changes

Please update your HSA information if you have moved from Single Medical Coverage to Family Medical Coverage, or Family Medical Coverage to Single Medical Coverage during your open enrollment.

Manage Your Account Online

The easiest way to manage your HSA account is online, with 24/7 access to make contributions, process claims and more, from your smartphone or tablet. If you haven’t already registered online, it’s quick and easy. If you have more than one type of account with Sterling, such as an FSA or HRA through your employer, you’ll only need to register once to have online access to all of your accounts.

  • Go to
  • From the homepage, click “Register for Online Access” in the upper right area of the website and be directed to a short form accessible from the “Member” tab on the registration page.
  • Complete the form using your Sterling HSA account number, your social security number, and date of birth to create a username and password for your HSA account. You will receive an email confirmation to the email address you provide on the form letting you know your online account access is set up and ready to use.
  • Once your online account is set up and confirmed, go to and enter your username. You will be prompted to answer 3 security questions, select a security image, and set up a security phrase. After setting up your security features, enter your password and connect to your personal account information.
  • On our website, you’ll find HSA forms and information to help you manage your account.Get Live Help
  • Sterling customer service is available Monday – Friday from 8am to 6pm Pacific time. Call: 800-617-4729; email:

HSA 2015 and 2015 Limits and FAQs

Contribution and Out-of-Pocket Limits for
Health Savings Accounts and High-Deductible Health Plans
For 2016 For 2015 Change
HSA contribution limit (employer + employee) Individual: $3,350
Family: $6,750
Individual: $3,350
Family: $6,650
Individual: no change
Family: +$100
HSA catch-up contributions (age 55 or older)* $1,000 $1,000 No change**
HDHP minimum deductibles Individual: $1,300
Family: $2,600
Individual: $1,300
Family: $2,600
Individual: no change
Family: no change
HDHP maximum out-of-pocket amounts (deductibles, co-payments and other amounts, but not premiums) Individual: $6,550
Family: $13,100
Individual: $6,450
Family: $12,900
Individual: +$100
Family: +$200
* Catch-up contributions can be made any time during the year in which the HSA participant turns 55.
** Unlike other limits, the HSA catch-up contribution amount is not indexed; any increase would require statutory change.

See more at:
Chart courtesy of SHRM.

We polled our HSA Client Services team and asked for the most frequently asked questions we are getting from our accountholders. Here are the most popular four, along with the answers.
Q: How do I check my balance?
A: To check your available balance please call Toll Free: 800-617-4729 and enter your Sterling account number.
You may obtain your Sterling account number by contacting customer service at Toll Free: 800-617-4729, or via email at Your Sterling account number is located in your Welcome Letter.
Q. How do I unlock my account?
A. Please contact customer service to unlock your online account. Toll Free: 800-617-4729 or via email at
Q. What is the annual contribution amount for 2015?
A. For 2015, the maximum is $3,350 for individuals and $6,650 for families. Catch-up contributions may be made by individuals 55 and over up to $1,000.
Q. When is the last day to make a 2015 Contribution?
A. April 15 2016. If members are sending checks, check must be postmarked by April 15, 2016.

Please let us know at if you have any questions or concerns. Thank you!


The Sterling Team

HSA – Important Tax Info

HSA Accountholders,
If you have registered for online access with us, your 2015 year-end HSA statement is now available by logging into your account at Go to “Statements” and then “Activity Statements” in the menu. The statement will help you prepare your tax returns for 2015.HSA related tax forms 1099-SA and 5498-SA are also available when you log into your account. After you log in, go to “Statements,” and then “Tax Statements.” Scroll down the page to find PDF files of your forms 1099-SA and 5498-SA, if applicable, based on 2015 contributions and disbursements.

If you have not registered for online access with Sterling, we will mail your tax forms to you by January 31.

Thank you! Please contact us at if you have any questions.