2026 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
2026 Maximum Before-Tax Contribution
You can contribute up to $3,300*
You can contribute up to $3,300*
You and Pfizer (combined) can contribute up to $4,400 (individual coverage) or $8,750 (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 ($660 in 2025); anything over the IRS limit is subject to the “use it or lose it” rule
Up to the IRS limit ($660 in 2025); 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, 2027.
The deadline for filing claims for eligible expenses you incur during the plan year (Jan. 1st to Dec. 31st) is March 31, 2027.
If you withdraw funds from your HSA, you will be responsible for substantiating that withdrawal amount and will receive an annual tax notice from HealthEquity containing this information.
* If you elect the current contribution limit (e.g., for 2025, $3,300), once the IRS announces the new contribution limit, your 2026 GPHCA/LPHCA election will automatically increase to the new limit.
View more about the HSA
Pfizer Company Contribution to the HSA
Annual Base Pay
(As of September 1, 2025 or hire date if later)
(As of September 1, 2025 or hire date if later)
2026 Pfizer HSA Company Contribution
(individual/family)
(individual/family)
Less than $85,000
$1,150/$2,300
$85,000 up to $165,000
$750/$1,500
$165,000 up to $305,000
$250/$500
$305,000 or greater
$0/$0