This guide provides a detailed overview of how your Health Savings Account (HSA) works with a Cigna High-Deductible Health Plan (HDHP). It covers HSA eligibility, contribution limits, tax advantages, qualified medical expenses, accessing and using your HSA funds, and managing your account through myCigna. The guide also explains important topics such as HSA ownership, rollover of unused funds, recordkeeping, beneficiary information, retirement considerations, and tax reporting requirements.