You can save money on eligible health care and/or dependent care expenses by paying for them with tax-advantaged accounts.
Conga offers you the following accounts and encourages you to take full advantage of their money-saving potential. You can enroll in them on the Workday as a new hire, during Open Enrollment, or if you have a qualifying life event. Note: You must enroll in these accounts each Open Enrollment if you want to contribute the next year, even if you already participate.
Administered by: Inspira (formerly PayFlex)
Available only to employees who enroll in the Cigna HDHP
Administered by: Inspira (formerly PayFlex)
Available to employees who enroll in the Cigna OAP 750, Kaiser HMO (CA), or Kaiser HMO (CO) or do not elect medical coverage through Conga.
Administered by: Inspira (formerly PayFlex)
Available to employees who enroll in the Cigna HDHP and contribute to an HSA.
Administered by: Inspira (formerly PayFlex)
Available to all employees.
Money goes in tax-free* and comes out tax-free when it’s used for eligible expenses.
Contribute to your accounts easily and effortlessly.
**Contributions are not subject to federal tax. However, HSA contributions are currently subject to state tax in CA and NJ, and both HSA and FSA contributions are subject to state tax in NJ. Consult with your tax advisor to understand the potential tax consequences of enrolling in an HSA and/or FSA.
With the Cigna HDHP, you’re eligible to open and contribute money to a Health Savings Account (HSA) through Inspira (formerly PayFlex). The HSA is a tax-free savings account that you own. You can use it to pay for eligible health expenses anytime, even in retirement.
The HSA has a triple-tax advantage that surpasses even a 401(k) or Roth IRA. And, Conga will contribute to your account, too!
Put money in tax-free.*
You contribute to your HSA through pre-tax payroll deductions. If you need to, you can change your contribution amount anytime. You must have an HSA account with Inspira (formerly PayFlex) to contribute money pre-tax.
Get company contributions.
Conga will contribute $500 annually if you have employee-only medical plan coverage, or $1,000 annually if you cover dependents.
You must have an HSA account with Inspira (formerly PayFlex) to receive the Company contribution.
Pay for care tax-free.**
Pay for eligible medical, dental, and vision expenses for you and your family using your HSA debit card (provided sufficient funds are in your account). Track your spending, check your balance, reimburse yourself, and more on the Inspira (formerly PayFlex) website.
Grow money for the future tax-free.
All the money in your HSA is yours to keep, year after year. You can build up savings through tax-free interest and even invest your money once your balance reaches $1,000 minimum balance, which gives you the potential for tax-free earnings growth and a way to plan ahead.
*Contributions are not subject to federal tax. However, HSA contributions are currently subject to state tax in CA and NJ, and both HSA and FSA contributions are subject to state tax in NJ. Consult with your tax advisor to understand the potential tax consequences of enrolling in an HSA and/or FSA.
**Money in an HSA can be withdrawn tax-free as long as it is used to pay for qualified health-related expenses. If money is used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn, plus a 20% penalty tax if you withdraw the money before age 65.
Keep in mind, the maximum amount you and Conga together can contribute to your HSA is determined by annual limits that the IRS sets. In 2025, the total contribution limits are:
If you’re age 55 or older, you can contribute an additional $1,000 to these limits.
| Coverage Level | 2025 Contribution Limit | Conga contributes… | …so you can contribute up to |
|---|---|---|---|
| Individual coverage | $4,300 | $500 | $3,800 |
| Family coverage | $8,550 | $1,000 | $7,550 |
| * If you’re age 55 or older, you can contribute an additional $1,000 on top of this amount. | |||
| Coverage Level | Individual coverage |
| 2025 Contribution Limit | $4,300 |
| Conga contributes… | $500 |
| …so you can contribute up to | $3,800 |
| Coverage Level | Family coverage |
| 2025 Contribution Limit | $8,550 |
| Conga contributes… | $1,000 |
| …so you can contribute up to | $7,550 |
| Coverage Level, 2025 Contribution Limit, Conga contributes…, …so you can contribute up to | * If you’re age 55 or older, you can contribute an additional $1,000 on top of this amount. |
In order to establish and contribute to an HSA, you:
You should review IRS rules for making HSA contributions if you will turn age 65 during the year. For more information, see IRS Publication 969.
Once your account is set up, you’ll receive a welcome email that will include useful information about your account. You’ll also receive an HSA debit card in the mail, which will allow you to conveniently pay for eligible expenses at the point of service.
As you start using your account, keep in mind that you can only spend money that has actually been deposited into your account — your entire annual contribution amount is not available to you from the beginning of the plan year. Your HSA balance will grow as deposits are made from each paycheck.
Using an FSA is like getting a discount on everyday health and/or dependent care expenses because you’re paying with tax-free money. There are separate FSAs for health care and dependent care. Our FSAs are administered by Inspira (formerly PayFlex).
With FSA money, you “use it or lose it.” If you have a balance left in your FSA as year-end approaches, try to spend as much of it as you can on eligible expenses; up to $660 of unused money may be carried over to the next year; amounts above $660 will be forfeited, so be sure to use it up! Request reimbursement or manage your account on the Inspira (formerly PayFlex).
A Health Care FSA is available to employees who enroll in the Cigna OAP 750, Kaiser HMO (CA), or Kaiser HMO (CO) or do not elect medical coverage. You can contribute up to $3,300 for the year through pre-tax payroll deductions to help cover eligible medical, dental, and vision expenses.
Choose
Choose your contribution amount when you enroll. You can only change it during the year if your personal situation changes, so estimate carefully.
Contribute
Your annual contribution will be divided into equal payroll deductions, but the entire amount is available to you from the beginning of the plan year.
Spend
Spend your money by using your FSA debit card, or log in to Inspira (formerly PayFlex) to request reimbursement for payments you’ve made.
Use It Up
Up to $660 of unused money may be carried over to the next year; amounts above $660 will be forfeited, so be sure to use it up!
A Limited Purpose FSA is available only to employees with an HSA to offer additional tax-saving opportunities. You can contribute up to $3,300 for the year through pre-tax payroll deductions. This account can be used for eligible dental, and vision expenses only.
Choose
Choose your contribution amount when you enroll. You can only change it during the year if your personal situation changes, so estimate carefully.
Contribute
Your annual contribution will be divided into equal payroll deductions, but the entire amount is available to you from the beginning of the plan year.
Spend
Spend your money by using your FSA debit card, or log in to Inspira (formerly PayFlex) request reimbursement for payments you’ve made.
Use It Up
Up to $660 of unused money may be carried over to the next year; amounts above $660 will be forfeited, so be sure to use it up!
A Dependent Care FSA is available to all employees. You can contribute up to $5,000 if you’re married and filing jointly or up to $2,500 if you’re single or married and filing separately.
Contributions are made through pre-tax payroll deductions to help cover your eligible dependent care expenses, including childcare for children up to age 13 and care for dependent elders.
Choose
Choose your contribution amount when you enroll. You can only change it during the year if your personal situation changes, so estimate carefully.
Contribute
Your annual contribution will be divided into equal deductions from each paycheck. You can only use money that has been deposited into your account.
Spend
Spend your money by using your FSA debit card, or log in to the Inspira (formerly PayFlex) website to request reimbursement for payments you’ve made.
Use It Up
Unused money does not carry over at the end of each year — use it or lose it! Be sure to use it up.
| HSA | Health Care FSA | Limited Purpose FSA | Dependent Care FSA | |
|---|---|---|---|---|
| Available with … | HSA Cigna HDHP | Cigna OAP 750 Kaiser HMO (CA) Kaiser HMO (CO) (Also available if you waive medical coverage) | Limited Purpose FSA Cigna HDHP | Dependent Care FSA Your employment at Conga |
| Receive company contribution | HSA Yes | Health Care FSA No | Limited Purpose FSA No | Dependent Care FSA No |
| Change your contribution amount anytime | HSA Yes | Health Care FSA No | Limited Purpose FSA No | Dependent Care FSA No |
| Access your entire annual contribution amount as needed | HSA No | Health Care FSA Yes | Limited Purpose FSA Yes | Dependent Care FSA No |
| Access only funds that have been deposited | HSA Yes | Health Care FSA No | Limited Purpose FSA No | Dependent Care FSA Yes |
| Use account money for… | HSA All eligible medical, dental, and vision care expenses for you and your qualified dependents | Health Care FSA All eligible medical, dental, and vision care expenses for you and your qualified dependents | Limited Purpose FSA Only dental and vision expenses | Dependent Care FSA Eligible dependent care expenses, including care for children up to age 13, dependents who aren’t able to care for themselves, and dependent elders |
| “Use it or lose it” at year-end | HSA No | Health Care FSA You can carryover up to $660; amounts over $660 are forfeited | Limited Purpose FSA You can carryover up to $660; amounts over $660 are forfeited | Dependent Care FSA Yes |
| Money is always yours to keep | HSA Yes | Health Care FSA No | Limited Purpose FSA No | Dependent Care FSA No |
| Available with … | |
|---|---|
| HSA | Cigna HDHP |
| Health Care FSA | Cigna OAP 750 Kaiser HMO (CA) Kaiser HMO (CO) (Also available if you waive medical coverage) |
| Health Care FSA | Cigna OAP 750 Kaiser HMO (CA) Kaiser HMO (CO) (Also available if you waive medical coverage) |
| Limited Purpose FSA | Cigna HDHP |
| Dependent Care FSA | Your employment at Conga |
| Receive company contribution | |
| HSA | Yes |
| Health Care FSA | No |
| Limited Purpose FSA | No |
| Dependent Care FSA | No |
| Change your contribution amount anytime | |
| HSA | Yes |
| Health Care FSA | No |
| Limited Purpose FSA | No |
| Dependent Care FSA | No |
| Access your entire annual contribution amount as needed | |
| HSA | No |
| Health Care FSA | Yes |
| Limited Purpose FSA | Yes |
| Dependent Care FSA | No |
| Access only funds that have been deposited | |
| HSA | Yes |
| Health Care FSA | No |
| Limited Purpose FSA | No |
| Dependent Care FSA | Yes |
| Use account money for… | |
| HSA | All eligible medical, dental, and vision care expenses for you and your qualified dependents |
| Health Care FSA | All eligible medical, dental, and vision care expenses for you and your qualified dependents |
| Limited Purpose FSA | Only dental and vision expenses |
| Dependent Care FSA | Eligible dependent care expenses, including care for children up to age 13, dependents who aren’t able to care for themselves, and dependent elders |
| “Use it or lose it” at year-end | |
| HSA | No |
| Health Care FSA | You can carryover up to $660; amounts over $660 are forfeited |
| Limited Purpose FSA | You can carryover up to $660; amounts over $660 are forfeited |
| Dependent Care FSA | Yes |
| Money is always yours to keep | |
| HSA | Yes |
| Health Care FSA | No |
| Limited Purpose FSA | No |
| Dependent Care FSA | No |
To ease the cost of your commute to work, the Conga commuter benefits program lets you set aside pre-tax dollars from your paycheck to help pay for monthly parking or transit costs. It’s easy and flexible. You can enroll, change, or cancel commuter benefits at any time. However, there is a monthly deadline of the 10th for making updates for the next month. If you miss it, you will have to wait until the following month.
Enroll
Enroll through Workday, then manage your account through Inspira (formerly PayFlex).
Contribute
Decide the amount you want to contribute, and the money is deducted from your paycheck, before taxes are taken out.
How much
You can elect to contribute up to the monthly IRS limit of $325 for transit and $325 for parking.
Deadline
Make changes by the 10th of each month for the new deduction to be effective the following month.
