How to Choose a Health Care Funding Account

When you enroll in the National Choice Plan or Whole Health Plan, you have the choice of Health Care Funding Accounts, the Health Savings Account (HSA) or the Personal Wellness Account (PWA) to pair with your medical coverage. Whole Foods Market makes a significant contribution to your account to help you pay for health care expenses for yourself and your eligible dependents.

Now sure which one is right for you? Take the quiz to learn more.

Take the Quiz
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Would you classify yourself as a saver or a spender?
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I say, spend it if you’ve got it
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I like to save for a rainy day
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How often do you go to your primary care doctor?
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Once to get my preventive exam and maybe once more during the year
2
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I go a few times a year
1
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I see my primary care physician regularly for an ongoing condition
2
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Will someone else claim you as a dependent on income tax or will you be enrolled in Medicare in 2025?
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Yes
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hsa
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No
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Which medical plan will you choose for 2024?
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The National Choice Plan
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The National Select Plan
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select
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The Whole Health Plan (WHP)
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Surest Plan
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surest
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The Hawaii Preferred Provider Organization (PPO)
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hawaii
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I’m not sure yet
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Saving tax-free money today to pay for health care you might need tomorrow is...
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Not something I can do right now.
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Unnecessary. Let’s worry about tomorrow, tomorrow.
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Smart! I like saving money AND paying less in taxes.
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The results are in!

Remember, this quiz is just one tool to help you make a decision between the two Health Funding Account options. It’s no substitute for your own judgement – you make the final decision. Review the Annual Benefits Enrollment Guide and visit the Benefits Store to learn more about each of the accounts.

Remember, no matter which account you choose, to take advantage of Whole Foods Market’s contribution, you must actively enroll in a Health Funding Account during Annual Enrollment when you elect to enroll in either the National Choice Plan (BCBSTX) or the Whole Health Plan (WHP).

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The results are in.

Based on your enrollment in the Hawaii Preferred Provider Organization (PPO), you are not eligible to participate in a Health Funding Account. However, you can still take advantage of the tax savings that comes with contributing to a Flexible Spending Account (FSA).

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The results are in.

Based on IRS eligibility rules, if another taxpayer is entitled to claim you as a dependent dependent or you are enrolled in Medicare, you cannot participate in a Health Savings Account. You still may be eligible to participate in the Personal Wellness Account.

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The results are in.

Based on your enrollment in the National Select Plan, you are only eligible to participate in the Personal Wellness Account.

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The results are in.

Based on your enrollment in the Surest Plan, you are not eligible to participate in a Health Funding Account. However, you can still take advantage of the tax savings that comes with contributing to a Flexible Spending Account (FSA).

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