The CHAMP Plan™ HSA adds benefits your high-deductible health plan may not handle well day to day — including $0 virtual primary care, $0 preventive prescriptions, mental health support, preventive care, at-home labs, and 24/7 virtual vet access.
There is a per-paycheck cost to enroll. But CHAMP is pre-tax, so the net impact on your paycheck is lower than the sticker amount — and for many families, using just one or two benefits can make the value easy to see.
Most importantly, CHAMP is designed to work alongside your HDHP and HSA, not replace them.
We’d rather show you the math than pretend the benefit is free.
CHAMP comes with a per-paycheck deduction. Because it is taken pre-tax, the net impact on your paycheck is lower than the sticker amount.
Your exact cost depends on your pay rate and pay schedule, so there is no one-size-fits-all number.
Call 602-854-3522 and we'll walk you through your exact per-paycheck amount.
Without CHAMP, there is no CHAMP pre-tax deduction reducing your taxable wages.
Monthly Income (Example)
Taxable
Taxes
Take-Home Pay
$810 / month
$3,190 / month
When you enroll, your CHAMP contribution is taken on a pre-tax basis.
That reduces your taxable wages, which means the net impact on your paycheck is lower than the sticker amount.
Monthly Income (Example)
Taxable
Taxes
Take-Home Pay
$302 / month
$190 / month (Funded through Savings)
$112 / month (after the plan cost)
With CHAMP, you keep more of what you earn
The CHAMP Plan HSA gives you an added layer of preventive and virtual care while your existing HDHP stays in place.
Access a licensed provider virtually, 24/7, with no copay.
Available to you and your eligible family members.
ACA-defined preventive medications are available at $0.
Available to you and your eligible family members.
Important: This applies to qualifying preventive medications — not every prescription.
Private consultations and multiple levels of mental health care at $0 copay.
No referral required.
Available to you and your eligible family members.
Get virtual access to veterinary professionals for dogs, cats, birds, horses, and many other pets.
No additional charge.
ACA-defined preventive services are 100% covered in person through participating First Health providers.
Employee only.
Convenient lab kits delivered to your home can help you monitor important health markers.
Employee only.
Easy-to-use kits can include:
Employee only.
Track health information, set goals, and build healthier habits with personalized insights.
Available to you and your eligible family members.
Stay current on ACA-defined preventive services through participating First Health providers.
Employee only for in-person care.
Get private mental health care without the usual referral barriers.
Available to you and your eligible family members.
Qualifying ACA-defined preventive medications are available at $0.
Available to you and your eligible family members.
Get convenient access to a provider from home, day or night.
Available to you and your eligible family members.
The CHAMP Plan HSA is not a replacement for your existing health insurance.
It is designed to work alongside your HSA-qualified High Deductible Health Plan.
Your current medical coverage stays exactly where it is.
CHAMP is designed to preserve your ability to continue contributing to your HSA when used as intended.
CHAMP adds benefits that can help with everyday needs before you ever touch your deductible:
Think of It This Way
Your HDHP + Your HSA + CHAMP
Not a replacement. An additional layer.
The CHAMP Plan™ HSA is designed to be compatible with HSA contributions. This is not tax advice.
Your CHAMP Plan HSA can extend beyond you.
After you enroll, add your eligible spouse and children in The CHAMP Plan app.
$0 Direct Virtual Primary Care
Available 24/7.
$0 Preventive Prescriptions
For qualifying ACA-defined preventive medications.
Mental Health Support
Private virtual care at $0 copay.
Vitals Tracking
Tools to monitor health and build healthier habits.
24/7 Virtual Vet Access
Dogs, cats, birds, horses, and many other household pets are included.
Dependent medical care through CHAMP is virtual only.
100% in-person preventive care and at-home lab testing are for the enrolled employee only.
Dependent medical care is virtual only.
Enrollment is simple — but it must be completed by phone before your enrollment window closes.
Take a look through this page and decide whether CHAMP makes sense for you and your family.
Call 602-854-3522.
A team member can answer your questions and confirm your exact per-paycheck cost.
If you decide CHAMP is right for you, the team will complete your enrollment over the phone.
Download The CHAMP Plan app, create your account, and add your eligible dependents.
Once your employer’s enrollment window closes, you’ll need to wait until the next eligible enrollment period.
We know you have questions. Here are the ones we hear most often — with straightforward answers so you can make the right decision for yourself and your family.
CHAMP is designed to be useful before you get sick.
Preventive care, at-home labs, vitals tracking, $0 virtual primary care, and mental health support can all help you stay ahead of your health.
There is a per-paycheck deduction.
Because CHAMP is pre-tax, the net impact on your paycheck is lower than the sticker amount.
Your exact cost depends on your pay rate and pay schedule.
Call 602-854-3522 for your personal number.
That’s exactly who this HSA version is built for.
CHAMP works alongside your HSA-qualified HDHP rather than replacing it.
Your existing coverage stays in place, while CHAMP adds preventive and virtual-care benefits.
The CHAMP Plan HSA is designed to preserve your ability to continue contributing to your HSA when used as intended.
This is not tax advice. Consult your tax advisor or plan administrator with questions about your specific situation.
Call CHAMP Support at 602-854-3522 to discuss your available options.
Yes.
Eligible family members can access:
Dependent medical care is virtual only.
Yes, There’s a Cost. But Look at What You Get.