Pre-Tax Savings Accounts

• You
• Your spouse and qualifying child(ren) even if they are not covered by Ingram's health plan
• Your qualifying relative; special IRS rules may allow a family member to be eligible for this plan, even if he or she does not qualify as a dependent on your tax return
• Domestic partners may not be eligible dependents

• You
• Your spouse and qualifying child(ren) even if they are not covered by Ingram's health plan
• Your qualifying relative; special IRS rules may allow a family member to be eligible for this plan, even if he or she does not qualify as a dependent on your tax return
• Domestic partners may not be eligible dependents

Visit IRS.gov to view the most recently updated amounts for the plan year.

Money in this account is "use it or lose it." You will lose any money left over at the end of the plan year. Make sure you don't contribute more than you need.

You'll receive a debit card from MyChoice. You can use it at the time of service, or you can pay out of pocket and reimburse yourself later from your FSA.

Save pre-tax dollars to pay for eligible dependent care expenses like daycare or eldercare, so you and/or your spouse can work, look for work, or attend school full time.

Eligible dependents include your child(ren) under the age of 13, your disabled spouse, or any disabled dependent of any age who lives with you at least eight hours a day.

Visit IRS.gov to view the most recently updated amounts for the plan year. Your balance builds throughout the year. You can only spend what has been deposited in your account.

The money in this account is "use it or lose it." You will lose any money left over at the end of the plan year.

You'll receive a debit card from MyChoice. You can use it at the time of service, or you can pay out of pocket and reimburse yourself later from your FSA.

An HSA is a tax-advantaged, personal bank account that you keep even if you change jobs or retire. You can set aside pre-tax money to pay for eligible healthcare expenses in the current year or save it to use in the future. You can even invest your balance once it exceeds $1,000. View a complete list of eligible expenses.

• Your HSA contributions are made with pre-tax dollars.
• When you spend your HSA dollars on eligible expenses, they are tax-free.
• HSA funds can earn interest tax-free.

If you choose the Choice + HSA Plan or the Value + HSA Plan, you can use an HSA.

There are IRS rules about who can have an HSA. You can't:

• Be enrolled in a second medical plan that is not a High-Deductible Health Plan.
• Be enrolled in Medicare, Medicaid, or TRICARE.
• Be claimed as a dependent on someone else's federal tax return.
• Have a Healthcare FSA while you are actively contributing to an HSA.

If you're enrolled in the Choice + HSA Plan, Ingram contributes $500 for individual coverage and $1,000 for family coverage. Ingram does not contribute for the Value + HSA Plan.

The IRS limits the amount you can contribute each year, including company contributions. For 2026, the limits are:

• Single: $4,400
• Family: $8,750
• Age 55 or older: Additional catch-up contribution of $1,000

You can change or stop your HSA contributions at any time throughout the year.

You'll receive a debit card from MyChoice. You can use it at the time of service, or you can pay out of pocket and reimburse yourself later from your HSA.

User Guide
MyChoice Mobile App
Healthcare FSA Fact Sheet
Dependent Care FSA Fact Sheet
HSA Fact Sheet
Eligible Expenses Guide