Better planning with your HSA funds

To help you get the most value from your Health Spending Account (HSA) and plan for your future, EPCM is making an improvement to your Blendable benefits.

From now on, you’ll decide at the beginning of the Benefit Period how unused funds will be handled that year. This way you’ll be better prepared and can make informed choices about how you use your funds during the year, instead of waiting to see what’s left.

Your options

You can still choose between:

• Funds Reset - Unused funds are reset and credited to EPCM
• Funds Carry-forward - Unused funds are carried forward for a second year

The selection you make will apply to the coming year’s funds, and each year going forward unless you tell us otherwise.

If you choose Reset

When your plan renews 2026-08-01, your balance will be reset to $0. Any unused funds will be credited to EPCM.

If you choose Carry-forward

Funds can only remain in your HSA for a total of 2 years (this is based on CRA guidelines).

When your plan renews 2026-08-01, unused funds contributed between 2025-08-01 and 2026-07-31 will remain in your HSA and can be used to reimburse future expenses. Once the next renewal rolls around 2027-08-01 any funds contributed between 2025-08-01 and 2026-07-31 still remaining will be reset and credited to EPCM.

Making your selection

Make your selection using the form below by 2025-11-15.

If we don’t receive your selection by 2025-11-15, your HSA will continue using the Reset option.

Going forward, we’ll keep handling your unused funds the same way, unless you tell us otherwise. Note that we can only make a change each year at renewal.