An HSA lets you save money for eligible medical expenses on a before-tax basis. You and Hess can both contribute to an HSA. Your HSA belongs to you. It’s also portable. If you leave Hess, it goes with you. Unlike a Flexible Spending Account, you don’t forfeit unused money at the end of the year. Money in your HSA rolls over year to year. You can learn more about the rules governing HSAs in IRS Publication 969.