{"id":125,"date":"2023-03-19T10:40:08","date_gmt":"2023-03-19T15:40:08","guid":{"rendered":"https:\/\/cfibenefits.wpengine.com\/?page_id=125"},"modified":"2026-01-29T15:18:55","modified_gmt":"2026-01-29T21:18:55","slug":"health-coverage","status":"publish","type":"page","link":"https:\/\/cftotalrewards.com\/ca\/health-coverage\/","title":{"rendered":"Health Coverage"},"content":{"rendered":"

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HEALTH SAVINGS
ACCOUNT (HSA)<\/h1>\n

” content_phone=”<\/p>\n

HEALTH SAVINGS
ACCOUNT (HSA)<\/h1>\n

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Health Coverage<\/h1>\n

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Protection for you and your family for everyday health issues or when unforeseen problems occur.<\/p>\n

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CF Industries provides you with Flex Credits each year, based on your enrolled family status, for your health and dental coverage. Your Family Status is simply who you are enrolling under your health coverage: Single (employee-only), Employee + 1, or Family.<\/p>\n

Credit Options<\/h2>\n

Flex Credits act as an allowance for health and dental spending each year. If necessary, you can choose a different Flex Credit allowance for your health coverage and your dental coverage<\/a>. Excess Flex Credits can be taken as taxable cash through a bi-weekly payroll credit, and\/or deposited into a Health Spending Account (HSA).<\/p>\n

Annual Costs for Health Coverage<\/h3>\n

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If You Choose<\/th>\n

<\/p>\n

Cost<\/th>\n

<\/p>\n

Flex Credits<\/th>\n

<\/p>\n

Difference<\/th>\n

<\/tr>\n

<\/thead>\n

<\/p>\n

Option 1<\/th>\n

<\/tr>\n

<\/p>\n

Single<\/td>\n

<\/p>\n

$1,218<\/td>\n

<\/p>\n

$1,718<\/td>\n

<\/p>\n

$500 excess credits<\/td>\n

<\/tr>\n

<\/p>\n

Employee + 1<\/td>\n

<\/p>\n

$2,167<\/td>\n

<\/p>\n

$2,667<\/td>\n

<\/p>\n

$500 excess credits<\/td>\n

<\/tr>\n

<\/p>\n

Family<\/td>\n

<\/p>\n

$3,445<\/td>\n

<\/p>\n

$3,945<\/td>\n

<\/p>\n

$500 excess credits<\/td>\n

<\/tr>\n

<\/p>\n

Option 2<\/th>\n

<\/tr>\n

<\/p>\n

Single<\/td>\n

<\/p>\n

$2,011<\/td>\n

<\/p>\n

$2,011<\/td>\n

<\/p>\n

$0<\/td>\n

<\/tr>\n

<\/p>\n

Employee + 1<\/td>\n

<\/p>\n

$3,581<\/td>\n

<\/p>\n

$3,581<\/td>\n

<\/p>\n

$0<\/td>\n

<\/tr>\n

<\/p>\n

Family<\/td>\n

<\/p>\n

$5,691<\/td>\n

<\/p>\n

$5,691<\/td>\n

<\/p>\n

$0<\/td>\n

<\/tr>\n

<\/tbody>\n

<\/table>\n

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Opt-Out of Coverage Credits<\/h2>\n

If you are covered under your spouse\u2019s employer coverage or under your own private health plan, you may opt-out of CF Industries\u2019 health coverages. If you choose to opt-out of both your health and dental coverage, you will receive Opt-Out Credits which serve the same function as Excess Flex Credits. Employees will receive $750 in Opt-Out Credits for health coverage, and $688 for dental coverage. Please note that opting out of the health plan requires proof of other coverage.<\/em><\/strong><\/p>\n

Health Options<\/h2>\n

CF partners with Sun Life to provide two options for health coverage through your employment:<\/p>\n