Consumer Choice Plan

  • The Consumer Choice Plan is a high-deductible health plan that comes with a health savings account (HSA)*. The HSA provides an opportunity to save and invest pre-tax dollars to pay for eligible medical expenses. The plan offers 100 percent covered in-network preventive benefits, prescription drug coverage, and access to our nationwide network of doctors. While the deductible is higher than the PPO Plan, the Consumer Choice Plan offers lower payroll deductions.

    For specific benefit information, refer to your benefits booklet on myalaskabenefits.com or myhorizonbenefits.com.

    *If you do not meet IRS eligibility criteria for an HSA, you will be enrolled in a Flexible Spending Account (FSA) and a $500 contribution will be made by Alaska Air Group.
  • 2019

    Alaska Air Group 2019 Contribution1

    Prorated for mid-year hires

    $1,000 for employee only

    $2,000 for employee + dependents

    Deductible

    $2,000 Individual

    $4,000 Family aggregate

    Total 2019 HSA Limit2

    $3,500 for employee only

    $7,000 for employee + dependents

    1Note that contributions may vary by location. Refer to your benefit guide for more information.

    2The annual limit includes any pre-tax payroll contributions, post-tax contributions and employer contributions, if any. If you will be age 55 or older during the plan year, you can contribute an additional $1,000 “catch up” contribution to these amounts.

    Healthcare FSA

    If you do not meet IRS eligibility criteria for an HSA, you will be enrolled in a Flexible Spending Account (FSA) and a $500 contribution will be made by Alaska Air Group. Note that you cannot be enrolled in both the HSA and Healthcare FSA.

    Special Purpose/Post-Deductible FSA

    In addition to the HSA, you have an opportunity to enroll in a Special Purpose/Post-Deductible FSA. This FSA helps preserve your HSA funds for medical expenses, savings, and investment opportunities by allowing you to use separate FSA funds to pay for your eligible dental and vision expenses. Once you've met your deductible, you can use the funds in this FSA for other eligible medical expenses. The annual contribution limit is $2,650 so you should consider how much you and your family will spend on dental and vision expenses during the plan year. 

    Dependent Day Care FSA

    The Dependent Day Care FSA is a pre-tax benefit account used to pay for eligible dependent care services while you and your spouse work, look for work, or go to school full time. Eligible expenses include preschool, child care, and care for an adult spouse or relative who is physically or mentally incapable of self-care and is your tax dependent. You may contribute up to $5,000 per plan year. Note that you can only use funds up to the current balance in your account.