2015 Health Savings Account (HSA) holder communications plan - Communication calendar

Sep 19, 2026

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2015 Health Savings Account (HSA) holder communications plan outlining a month-by-month communication calendar for consumers and employers. Includes open enrollment education, eToolkits (“Open your HSA”), and segmented account-holder campaigns across Q1, Q3 mid-year, and Q4 year-end to reinforce deposits, tax timing, and qualified medical expense use. Covers highly targeted Optum Health Finance Journey Model outreach, HSA financial forums, and bi-monthly Health Savings News plus satisfaction surveys. Also details standard bank communications such as welcome kits and account documents (1099-SA, 5498-SA, privacy notices) and statement messages, with timelines and notes that activities and dates may change.

LanguageEnglish

CategoryForms

FormatPDF

Pages2

Reading Time1 min

AccessFree to download

Communication calendar

Survey health savings accounts consumer engagement

Standard bank communications

2015 Health Savings Account (HSA) holder communications plan (Assumes a January 1 plan year effective date) Communication activities and timelines are subject to change. Communication calendar SURVEY HEALTH SAV INGS ACCOUNTS CONSUMER ENGAGEMENT | COMMUNICATION | | JAN | FEB | MAR | APR | MAY | JUN | JUL | AUG | SEP | OCT | NOV | DEC | OVERVIEW | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | Open Enrollment HSA education campaign | | | | | | | | | | | | | “Two-minute Tuesdays” is a seven-week campaign conducted during open enrollment. Optum provides employers the campaign emails and tools to distribute to employees. These communications help employees understand their financial account options, participation steps and the value of maximizing financial accounts for their personal needs. | | | eToolkits
(“Open your HSA” campaigns) | | | | | | | | | | | | | Emails, flyers, posters and postcards that employers can send to eligible high-deductible health plan members who have not opened an HSA to encourage them to do so. | | | Q1 account holder campaign
(Segmented with Optum Health Finance Journey Model) | | | | | | | | | | | | | Reminds account holders of the benefits of making deposits into their accounts and using funds to pay for current or future qualified medical expenses. Includes a tax reminder that previous year contributions can be made until April 15th. | | | Q3 mid-year account holder campaign (Segmented with Optum Health Finance Journey Model) | | | | | | | | | | | | | Reminds account holders of the benefits of making deposits into their accounts and using funds to pay for current or future qualified medical expenses. | | | Q4 year-end account holder campaign (Segmented with Optum Health Finance Journey Model) | | | | | | | | | | | | | Reminds account holders to make a year-end deposit to their HSAs to get tax savings on future medical expenses. | | | Optum Health Finance Journey Model targeted campaign
(Customized with propensity to engage analytics) | | | | | | | | | | | | | Highly targeted emails to account holders based on where they stand in the Optum Health Finance Journey Model AND Propensity to Enroll analytics. (Ex. Account holders in the Open journey stage will receive messages to address basic questions and encouragement to fund, not info about tax savingsand investing. ) | | HSA financial forums | | | | | | | | | | | | | | Public forums with 20 minutes of presentation and 20 minutes of Q&A. Forum topics include: “What isan HSA,” “Making the most of your HSA,” “Tax time and your HSA,” “HSA investing made easy” and“How to save and pay for healthcare with an HSA”—an overview of the 5 Stages of Health Care Saving and Spending. Decide—Open—Use—Manage—Optimize | | Health Savings News | | | | | | | | | | | | | | Bi-monthly e-newsletter to account holders with an email address on file. | | | Account holder
satisfaction survey | | | | | | | | | | | | | Bi-annual survey conducted via email to a random sampling of 30,000 account holders. | Employer “opt out?” = Yes = No Communication activities and timelines are subject to change. STANDARD BANK COMMUNICATIONS (Assumes a January 1 plan year effective date) Communication activities and timelines are subject to change. | COMMUNICATION | | JAN | FEB | MAR | APR | MAY | JUN | JUL | AUG | SEP | OCT | NOV | DEC | OVERVIEW | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | Welcome kit | | | | | | | | | | | | | | Sent within three to five business days of account activation. Includes welcome letter, FAQ, contribution/deposit form, Schedule of Fees, Truth in Savings and Funds Availability disclosures, custodial and deposit agreement and privacy policy. Sent in January for 1/1 plan effective date. | | Welcome email | | | | | | | | | | | | | | Sent da

FAQs

What is the purpose of the open enrollment HSA education campaign?

The campaign helps employees understand their financial account options, the steps to participate, and the value of maximizing their HSA for personal needs.

What do the Q1, Q3 mid-year, and Q4 year-end account holder campaigns focus on?

Q1 reminds account holders about deposits and using funds for qualified medical expenses and includes a tax reminder for making prior-year contributions until April 15. Q3 and Q4 similarly emphasize deposits and using HSA funds, with Q4 specifically highlighting a year-end deposit to support tax savings on future medical expenses.

What standard bank communications are sent after account activation and during the year?

After activation, a welcome kit and welcome email are sent, followed by a debit card mailing. Later communications include an account options letter, tax forms (1099-SA and 5498-SA), an annual privacy notice and terms changes, and brief messages on monthly bank statements.

Sep 19, 2026

Upload by Asher