Adobe Contribute 'The great sea has set me in motion, set me adrift, and I move as a weed in the river. The arch of the sky and mightiness of storms encompasses me. Adobe Contribute enables anyone to quickly, easily, and safely update existing websites and blogs. With Adobe Contribute, content authors can post and publish content to multiple websites and blogs from a single application or publish directly from within Microsoft Office applications.

A Health Savings Account (HSA) is a tax-advantaged savings account that lets you use pretax dollars to pay for eligible health care expenses. Adobe offers a HealthEquity HSA with the Aetna HealthSave plans to provide you with rich medical coverage while helping you save for your current and future health care needs.

Here’s the need-to-know information about the HSA.

How does it work?

• Sell stock photos, videos, vectors online Adobe Stock.
• Adobe Contribute free download - Adobe Photoshop CC, Adobe Flash Player, Adobe Illustrator, and many more programs.
• Contribute CS3 is bundled with the Adobe Web Creative Suite 3, and includes integration with other Adobe Web products such as Dreamweaver CS3 and Flash CS3. Contribute 2 and earlier versions do not have the same features as Contribute 3 and later versions, and it is advisable to upgrade Contribute.

The IRS has rules about who qualifies for an HSA, how much you can contribute, who qualifies as eligible dependents and what qualifies as an eligible expense. Review the information below, and contact HealthEquity at 877-713-7680 with any HSA questions. You may also want to consult your tax advisor about your personal situation. Here's how it works:

To enroll in the HealthEquity HSA (SSO), you must first enroll in one of Adobe's HSA-compatible medical plans.

You’ll have the option to enroll in a medical plan on the Adobe benefits enrollment site when you are first hired, during Open Enrollment or if you have a qualified life change during the year.

If you enroll in the Aetna HealthSave (HSA) medical plan, you will be automatically enrolled in an HSA account administered by HealthEquity HSA (SSO), and Adobe will make a contribution to your HSA. All you need to do is activate the account after you receive your HSA card—and you can contribute your own money, too. Before you enroll in this plan, make sure you are eligible for an HSA.

If you enroll in the Aetna HealthSave Basic medical plan, you have the option to open an HSA account administered by HealthEquity HSA (SSO) by electing to make your own HSA payroll contributions. Adobe does not make HSA contributions for this plan. Before you contribute to an HSA, make sure you are eligible.

You can choose how much money you want to set aside in your HSA account. Once you open an HSA, you can change your contributions at any time through the Adobe benefits enrollment site.

How do I know if I’m eligible for an HSA?

To be an eligible individual and qualify for a Health Savings Account (HSA), you must meet certain IRS requirements. To qualify for an HSA:

• You must be covered under a high-deductible health plan (HDHP).
• You can't be covered by another medical plan (like a spouse's or parent's plan) unless that plan also works with an HSA.
• You can't be enrolled in Medicare.
• Your spouse can't have a separate plan with a Health Care FSA.
• You can't be claimed as a dependent on someone else's tax return.

Adobe Contribute 6.5

If you are not eligible for an HSA, you should not make personal HSA contributions nor receive HSA employer contributions. Be sure to confirm you are eligible for an HSA before enrolling in the Aetna HealthSave (HSA) medical plan.

Refer to IRS Publication 969 to learn more about HSAs. Topics include: Qualifying for an HSA, Contributions to an HSA, Distributions From an HSA, Balance in an HSA, Death of HSA Holder (designating a beneficiary) and Filing Form 8889.

If you have any questions, consult with your tax advisor. HealthEquity, the HSA administrator, is also available to assist you with any questions.

HSA contributions

Changing your HSA contributions throughout the year

You can change your HSA contribution any time subject to Payroll cut-off dates [PDF] by submitting your request through the Adobe benefits enrollment site. You have two options for your deductions: an equal amount each pay period or a lump sum on specific payroll dates. Select Change HSA Contribution and follow the steps to finalize. Note: The HSA elections you submit are deducted from your available pay. A lesser amount may be deducted, or the deduction may not occur at all, if you submit for a pay-period when you aren’t receiving an Adobe paycheck (e.g., you’re on leave). The last day to submit contribution changes for the final 2020 paycheck is December 14. You can change your 2021 HSA payroll contributions from January 1 through December 13, 2021, subject to payroll cutoffs.

How much you can contribute

You can contribute up to the IRS maximum each year if you're eligible. Your contributions and Adobe's, if any, count toward your IRS limit. Your contribution limit for the year can change based on your personal situation. A few factors will impact your limit, including coverage status (family or single), time in that status, age and months in a qualified medical plan. Refer to the Know how much you can contribute [PDF] tip sheet or the current HealthEquity Complete HSA Guidebook [PDF] for examples of different contribution scenarios that may describe your situation. Thus, although Payroll will cap at the overall IRS limit for the year, you must monitor and stop your contributions if your limit is lower. Contact HealthEquity or your tax advisor with any questions.

These are the 2020 IRS contribution limits:

• up to $3,550 for individual coverage
• up to $7,100 for family coverage

If you’re age 55 or older, you can contribute an additional $1,000 in catch-up contributions.

These are the 2021 IRS contribution limits:

• up to $3,600 for individual coverage
• up to $7,200 for family coverage

If you’re age 55 or older, you can contribute an additional $1,000 in catch-up contributions.

Note: If you become enrolled in Medicare, you will cease to be eligible to make or receive HSA contributions. Refer to Becoming Medicare Eligible.

How much Adobe will contribute

Adobe will contribute to the HSA if you are enrolled in the Aetna HealthSave (HSA) plan and you activate your account with HealthEquity:

• up to $850 for individual coverage
• up to $1,700 for family coverage

Adobe’s contribution counts toward your overall annual IRS contribution maximum.

If you make coverage changes after January (e.g., new enrollment or change from individual to family coverage), you will receive a prorated contribution from Adobe for the current year. Refer to the proration schedule on page 15 of the Rewards Guide [PDF].

How can I spend my HSA dollars?

How you can spend the funds

You can use HSA funds to pay for your share of qualified health care expenses that aren’t fully covered by insurance for you, your spouse and your tax dependents. Refer to the Wondering how claims, deductibles and prescriptions work? [PDF] tip sheet.

Examples:

• Deductibles
• Coinsurance
• Prescription drugs
• Dental and vision expenses
• Go to learn.healthequity.com/qme/ for more examples of qualified medical expenses

Adobe Contribute Replacement

Accessing your HSA to pay for out-of-pocket medical expenses

You have a few choices to pay for qualified expenses using your HealthEquity HSA. Before you pay, be sure your doctor bills Aetna for your medical expenses first, so Aetna pays its share of the bill and tracks your deductible to ensure you pay only your share of the cost. Refer to the Need to go to the doctor? [PDF] tip sheet.

1. Pay online through HealthEquity (SSO). Go to Claims & Payments, and select View Claims to see a list of claims ready to be paid, and click on Resolve to see payment options.
2. Use your HealthEquity Visa Health Account Card for your share of qualified health expenses.
3. At the pharmacy, pay with your HealthEquity HSA card if you have available funds. Or pay from your personal bank account, and reimburse yourself later online from your HSA.

If you have additional questions, you can reach HealthEquity via our dedicated service line: 877-713-7680.

Whose expenses can I pay with my HSA?

You can pay for your own medical expenses, your spouse’s expenses and your tax dependents’ expenses. However, the IRS has specific rules and definitions related to spouses and dependents that are different from the eligibility rules for coverage under Adobe’s medical plans. For example, you can cover an adult child (to age 26) and a domestic partner in your medical plan, but you cannot use your HSA for their expenses if they are not your tax dependents. Consult with your tax advisor to confirm whose medical expenses you can include. You may find it helpful to refer to the section titled Whose Medical Expenses Can You Include in IRS publication 502.

If you have any questions, consult with your tax advisor. HealthEquity, the HSA administrator, is also available to assist you with any questions.

Tip sheets and FAQs

• Five ways you win with an HSA [PDF]
• Know how much you can contribute [PDF]
• HSA FAQ [PDF]
• Need to go to the doctor? [PDF]
• Wondering how claims, deductibles and prescriptions work? [PDF]
• Health Care 101 [PDF]
• HSA tax filing [PDF]

Growing your HSA

You can use your HSA funds at any time for qualified medical expenses, or you can use them as a way to save for your future. There’s no use-it-or-lose-it rule, so your account balance continues to grow tax-free from year to year.

You can invest your funds once you reach a balance of $2,000. Think of the HSA as a traditional 401(k) with no tax on the way out. Your contributions, investments and interest earnings are federal tax-free. Check out the HealthEquity Investment Guide [PDF] for an overview of how to invest your HSA account funds. And log in to your HealthEquity (SSO) account to review the investment lineup and set your investment elections.

As a bonus, Adobe pays the fee for these web-based advisory services offered by HealthEquity Advisors, LLC:

Adobe Contribute 6.5 Download

• GPS – Guidance provided for fund management, implemented by the account holder
• Auto-pilot – Full-service fund management based on personal risk profile

Many contribute the maximum amount each year to typical retirement vehicles like a 401(k). How about contributing to one more? An HSA can be an additional tax shelter as you plan for ways to maximize your retirement savings. When possible, you can pay your deductible out of pocket each year instead of using your HSA funds, which will allow your HSA to grow even more.

HSA benefits

Three big tax advantages

With an HSA, you’ll enjoy these federal tax advantages:

• Tax-free contributions, lowering your taxable income and helping you save money
• Tax-free growth as your balance grows (either with interest or investments)
• No tax penalty for withdrawing funds for use on qualified health expenses at any time

No use-it-or-lose-it

Your unused HSA funds roll over year to year and continue to earn tax-free interest. You can use the money the next year or save it for the future.

There’s no limit to how high your account balance can grow!

You own the money

You own the money in your account and can take it with you if you change medical plans, retire or leave Adobe.

HSA and Health Care Flexible Spending Account (FSA) comparison

The IRS allows you to contribute more per year to an HSA than to an FSA. (See HSA contributions and FSA contributions.) HSA funds roll over from year to year, rather than use-it-or-lose-it like FSA dollars. It’s important to note that if you enroll in Aetna HealthSave (HSA), you may not open a Health Care FSA. Additionally, if you enroll in the Aetna HealthSave Basic plan, you may not contribute to a Health Care FSA, even if you don't contribute to your HSA.

* The Aetna HealthSave Basic is an HSA-compatible plan. You cannot contribute to Adobe’s Health Care FSA if you are enrolled in the HealthSave Basic plan, even if you don’t contribute to Adobe’s HSA plan.

Adobe Contribute is a WYSIWYGweb page editor. It is no longer used at Gustavus.

Getting started

If you have Contribute installed on your computer and are ready to jump in, the best place to start is the built-in tutorial. To access the tutorial, take the following steps:

1. Open Contribute.
2. In the menu bar, select Help > Contribute Tutorial
3. If using Contribute CS5, the Contribute Tutorial is located in the lower right of the initial pop up screen.

Troubleshooting

If you are having problems connecting to your website, try to remove and re-add your connection by following these steps:

1. Open Contribute.
2. Go to Edit -> My Connections.
3. In the window that appears, click on 'Publishing Server.'
4. Click on the 'Remove' button at the top of the window.
5. Click Close.
6. Quit out of Contribute.
7. Follow the steps under Connecting to re-connect to the Publishing Server.

Contact us

Please contact the Technology Helpline at 507-933-6111, or complete our contact form. Connect with us on our remote screen sharing tool at GTS SOS