NEW FOR 2026-2027: Health Savings Account

The Health Savings Account HSA) is a tax-advantaged personal bank account that works with the Bronze HDHP plan only. If you are enrolled in the Gold or Silver EPO, you cannot have an HSA.

Beginning October 1, 2026, this account allows you to set aside money to pay for eligible health care expenses. The account is yours to own and manage on your own. If you ever leave the company, you’ll take this account with you.

Setting Up Your Account

If you enroll in the Bronze HDHP and want to contribute to an HSA, you must open an HSA through Fidelity. The company does not automatically establish an account or contribute funds on your behalf. After opening your Fidelity HSA, elect your HSA payroll contributions during enrollment in ADP. Your Fidelity HSA will be available for use beginning October 1, 2026, and Fidelity will contact you after your account has been opened.

Watch this video for instructions on how to set up your account.

Ashford Plan #3141N

This plan includes Ashford Hospitality Advisors, Premier Project Management, and Warwick Insurance Company.

Remington Plan #0077Z

This plan includes Ashford Hospitality Services, Field Associates, Inspire, Pure, RED, and Remington Corporate.

Contribution Limits

You can contribute pre-tax dollars to your HSA up to the IRS limits each year. The 2026 IRS contribution limits are:

• $4,400 for individual coverage
• $8,750 for family coverage levels
• If you are age 55 or older, you can contribute an additional $1,000

 The 2027 IRS contribution limits are:

• $4,500 for individual coverage
• $9,000 for family coverage levels
• If you are age 55 or older, you can contribute an additional $1,000

Payroll Deductions

The amount you elect to contribute to your HSA will be deducted from your paycheck.

Eligible Expenses

Use the account to pay for medical, dental, vision and prescription drug expenses. Examples of eligible expenses include:

• Medical and dental plan deductibles, copays, and coinsurance
• Prescription drug copays and coinsurance
• Certain over-the-counter drugs
• Vision expenses

Refer to IRS Publication 969 for more information.

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