When changing from one group deductible plan to another group deductible plan, customers often ask, “Will the money I’ve paid out toward my deductible be carried over to my new plan?” The answer to this question depends on whether or not you are switching between like plans or not. If you are switching from an HSA Deductible Plan to another HSA Deductible Plan, then yes, your payments toward the deductible will carry over. The same applies if you are switching from on Regular (non-HSA) Deductible Plan to another Regular Deductible Plan. If you are switching from an HSA to a Regular Deductible Plan or visa versa, then there is no carry over.  

Here are a couple examples:

Example A:  ABC Group has an anniversary date of 7/1/09.They are switching from the $0/1500 HSA to the $0/2700 HSA. Member, John Smith, already spent $500 before the 7/1/09 anniversary. In this case:
A. The $500 John spent will carry over to the 7/1/09 renewal because the plan ‘category’ is the same.  (HSA to HSA.)
B. Come January 2010, the group’s deductible will reset to 0. 

Example B: Same scenario as above, except the group is switching from the $0/1500 HSA to the $30/1500 Deductible Plan. In this case:
A. The $500 John spent will not carry over- because the group switched to a different category.
B. Come January, the group’s deductible will reset again.

In both scenarios, the deductible will reset in January.