Support on this site for Internet Explorer 9 and Internet Explorer 10 will end on April 18, 2018. You must update your browser prior to then to continue accessing ubt.com and UBTgo Online Banking. Learn More Here >>

HSA & FSA: Preparing for Open Enrollment

Preparing for Open Enrollment

With Open Enrollment approaching, it's time to make important health care benefit decisions for you and your family. We’re here to help!

How well do you understand your health care spending and saving behavior? Take this short, interactive quiz to learn about your health care behavior.

Take the Quiz

Defining Terms – What does this all mean?

As you start to review your options, you'll probably hear some industry jargon. Here are a few key terms you should know:

Premium The amount you pay for helath insurance each month.
Deductible The amount you pay out of pocket for covered health care services before your insurance plan starts to pay.
Copay A fixed amount ($20, for example) that you must pay for a covered health care service.
Coinsurance A percentage of the cost associated with a covered health care service that you must pay (20%, for example) after you've paid your deductible.
Out-of-pocket max The most you'll have to pay out of pocket for covered services in a plan year.

Learn More