2025 Health Care Accounts Summary
These accounts allow you to use before-tax dollars to pay for eligible out-of-pocket health care expenses for yourself and your eligible tax dependents. Here are some key features.
General Purpose HCA
(GPHCA)
(GPHCA)
Limited Purpose HCA
(LPHCA)
(LPHCA)
Health Savings Account
(HSA)
(HSA)
Available if you’re in this medical option
Network Copay/
Traditional Coinsurance
Traditional Coinsurance
HSA Copay
HSA Copay
You can use this account for:
Eligible medical, prescription, dental, and vision expenses
Eligible dental and vision expenses, and eligible medical and prescription expenses after meeting your deductible
Eligible medical, prescription, dental, and vision expenses
Offers a debit card to pay for eligible expenses
No, but eligible expenses incurred through your Pfizer medical (including prescription drug), dental, and/or vision coverage will be submitted automatically for reimbursement
No, but eligible expenses incurred through your Pfizer medical (including prescription drug), dental, and/or vision coverage will be submitted automatically for reimbursement
Yes
Includes a Contribution from Pfizer
No
No
Yes, if your annual base pay is less than $305,000
2025 Maximum Before-Tax Contribution
You can contribute up to $3,200*
You can contribute up to $3,200*
You and Pfizer (combined) can contribute up to $4,300 (individual coverage) or $8,550 (family coverage). If you're age 55 or older, you can contribute an additional $1,000.
You can carry over your balance from year to year
Up to the IRS limit; anything over the IRS limit is subject to the “use it or lose it” rule
Up to the IRS limit; anything over the IRS limit is subject to the “use it or lose it” rule
Your HSA will carry over from year to year — the money is portable, meaning it’s yours to keep even if you leave Pfizer.
You can change how much you contribute during the year, even if you don’t have a qualified status change
No
No
Yes, changes to your contribution rate may be made through November 1 for a given calendar year and are effective prospectively.
Claims submission deadline:
The deadline for filing claims for eligible expenses you incur during the plan year (Jan. 1st to Dec. 31st) is March 31, 2026.
The deadline for filing claims for eligible expenses you incur during the plan year (Jan. 1st to Dec. 31st) is March 31, 2026.
N/A
* For 2025, there is a new process to elect the maximum IRS before-tax contribution limit. If you elect the current contribution limit (e.g. for 2024, $3,200), once the IRS announces the new contribution limit, your 2025 GPHCA/LPHCA election will automatically increase to the new limit.
View more about the HSA.