SPENDING ACCOUNTS
Health Savings Account (HSA)
With both HDHP options, the HDHP Value Plan and the HDHP Standard Plan, you may open a Fidelity Health Savings Account (HSA) if you meet the eligibility requirements. This is a triple tax-advantaged account1 you can use to help pay for eligible medical expenses as you incur them, or you can save money in your account, through Fidelity, to use for future expenses.
Aptiv contributes to your account if you are eligible to make and receive HSA contributions. The amount that you and Aptiv can contribute is based on Internal Revenue Service (IRS) limits. Aptiv’s contributions to your HSA, as well as any contributions you choose to make, will go into your account in equal installments each pay period during the calendar year (starting from the date you open your HSA).
Aptiv will contribute money to your account each pay period based on your HDHP coverage tier as follows (based on your coverage start date):
| HDHP Value Plan | HDHP Standard Plan | |
|---|---|---|
| Monthly Pay | Employee only: $25.00 Employee + 1 or more dependents: $50.00 | Employee only: $50.00 Employee + 1 or more dependents: $100.00 |
| Semi-Monthly Pay | Employee only: $12.50 Employee + 1 or more dependents: $25.00 | Employee only: $25.00 Employee + 1 or more dependents: $50.00 |
Note: Your contributions to your HSA are automatically deducted from your paycheck each pay period and contributed into your account on a pre-tax basis. You can start, stop, or change your contribution amount at any time during the year on NetBenefits.
In 2026, the limits on total contributions to your account (from both you and Aptiv) are as follows:
Up to $4,400* annually for employee only coverage.
Up to $8,750* annually if you cover dependents.
*If you’re age 55 or older, you may contribute an additional $1,000 annually as a catch-up contribution.
New to the Fidelity HSA®?
If you are opening an HSA with Fidelity for the first time, you will need to activate your account. You will be prompted to do this immediately after completing your elections. This step is required for Fidelity to accept contributions and to issue a Fidelity HSA Debit Card2 to you. Go to NetBenefits for more information.
Eligibility
You are not eligible for the Fidelity HSA if you are enrolled in Medicare or TRICARE, are not enrolled in one of Aptiv’s High-Deductible Health Plans (HDHPs), are enrolled as a dependent in any other coverage that does not meet IRS rules for HSA-qualified plans, are claimed as a dependent on someone else’s tax return, or have access to reimbursement under a Health Care Flexible Spending Account (other than a Limited-Purpose Health Care FSA).
1 With respect to federal taxation only. Contributions, investment earnings, and distributions may or may not be subject to state taxation.
2 The Fidelity® HSA® Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other, and Fidelity is not affiliated with PNC Bank or BNY Mellon. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.
Flexible Spending Accounts (FSAs)
You are eligible to participate in the Flexible Spending Accounts (FSAs) even if you are not enrolled in an Aptiv medical plan. FSAs can save you money by allowing you to reimburse yourself for eligible expenses with pre-tax dollars you set aside through payroll deduction.
You can make your FSA election online during Annual Enrollment on NetBenefits.
Aptiv offers three types of accounts:
Health Care Flexible Spending Account (HCFSA)
Limited Purpose (Health Care) Flexible Spending Account (LPFSA), if you also enroll in one of Aptiv's HDHPs and the Fidelity HSA
Dependent Care Flexible Spending Account (DCFSA)
Health Care Flexible Spending Account (HCFSA)
As with the HSA, the payroll contributions you make to the HCFSA are tax-free. Generally, you need to use the money in the account within the same calendar year, however, our plan allows up to $680 to be rolled over from 2026 to the following calendar year. In 2026, you can contribute up to $3,400 to your account.
For a list of eligible health care expenses, refer to IRS publication 502 or the HealthEquity list of eligible health care expenses.
If you open both the HSA and the HCFSA:
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Dependent Care Flexible Spending Account (DCFSA)
You also have the option to contribute up to $7,500 in 2026 to a Dependent Care Flexible Spending Account ($3,750 is the IRS annual maximum per spouse for 2026). These funds can be used to pay eligible childcare expenses (e.g., daycare, preschool, before/after school) for a dependent under age 13 or a dependent child or adult who is physically or mentally incapable of caring for themselves.
The DCFSA enables you to reimburse yourself for eligible daycare and/or elder care expenses that may be necessary for you to be gainfully employed. For a list of eligible child care and elder care expenses, refer to IRS publication 503 or the HealthEquity list of eligible dependent care expenses.
Commuter Benefits
Aptiv provides an opportunity to make pretax contributions for commuter benefits directly through payroll. This commuter benefits program can be used to pay for parking or public transportation — supporting employees commuting to work. For 2026, you can make pre-tax payments of up to $340 to pay for parking or public transportation. To learn more, visit healthequity.com/EZ Receipts, formerly WageWorks.
Register through HealthEquity/EZ Receipts (formerly, WageWorks)
To get started, select “LOG IN/REGISTER” and then “Employee Registration.” You’ll then answer a few simple questions to create a username and password.
Contacts | |
|---|---|
| Health Savings Account | Fidelity Benefits Center 877.389.2374 www.netbenefits.com Mobile app: NetBenefits |
| Flexible Spending Account | HealthEquity/EZ Receipts 877.924.3967 healthequity.com Mobile app: EZ Receipts |
| Commuter Benefits | HealthEquity/EZ Receipts 877.924.3967 healthequity.com Mobile app: EZ Receipts |