I joined the Plan during Open Season and my coverage is effective on January 4, 2009. Why didn't the contributions to my HSA from Aetna start until February?

The law states that the HSA is effective on the first day of the month following the effective date of the health plan coverage, unless the effective date of the health plan coverage is the first day of the month. For most federal employees who enroll during Open Season, the effective date of the health plan is the first day of the first pay period, which in 2009 is January 4, 2009 for most people. With a January 4, 2009 health plan effective date, the HSA is effective February 1, 2009.

The first Plan contribution would be made in February. Employees whose effective date is January 1, 2009 will have an HSA effective date of January 1, 2009. More.

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