MMC Benefits Handbook
Health Savings Account
Eligibility Requirements
If you are an employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies and you meet the requirements set forth below, you become eligible on your eligibility date.
In order to establish and contribute to the Health Savings Account, you must:
  • be enrolled in the Marsh & McLennan Companies $1,500 Deductible Plan or $2,850 Deductible Plan,
  • not be covered by other health insurance (this rule does not apply to specific injury insurance and accident, disability, dental care, vision care, or long-term care),
  • not be eligible for and enrolled in any Medicare benefit, and
  • not be claimed as a dependent on someone else's tax return.
Therefore you are not eligible to contribute to the Health Savings Account if you or a family member participates in a traditional Health Care Flexible Spending Account (such as through your spouse's employer's plan), if you are eligible for and enrolled in any Medicare benefit, or if you have other non-high-deductible health plan coverage (other than specific injury insurance and accident, disability, dental care, vision care or long-term care). In addition, if you participate in the Health Savings Account, you are also eligible to participate in Marsh & McLennan Companies' Limited Purpose Health Care Flexible Spending Account.
Eligible Marsh & McLennan Companies Employees (other than MMA)
You are eligible if you are an employee classified on payroll as a US regular employee of Marsh & McLennan Companies or any subsidiary or affiliate of Marsh & McLennan Companies (other than MMA and any of its subsidiaries).
Individuals who are classified on payroll as temporary employees, who are compensated as independent contractors or who are employed by any entity in Bermuda, Barbados or Cayman Islands are not eligible to participate.
Eligible MMA Employees
You are eligible if you are an employee classified on payroll as a US regular employee of Marsh & McLennan Agency LLC – Corporate (MMA-Corporate), Marsh & McLennan Agency LLC – Alaska (MMA-Alaska), Marsh & McLennan Agency LLC – Southwest (excluding MHBT Inc., IA Consulting, Insurance Partners of Texas, Hendrick & Hendrick, Inc. and Eustis Insurance) (MMA-Southwest), Marsh & McLennan Agency LLC – Northeast (MMA-Northeast), or Security Insurance Services.
Individuals who are classified on payroll as temporary employees or who are compensated as independent contractors are not eligible to participate.