Also, I bet Cigna also has programs like UHC does where they give you money each year if you complete certain steps. Our program with UHC gives you a few hundred bucks if you take a short online training course, a few more hundred dollars if you sign up for one of their self-monitored training-type courses (help you lose weight, monitor your smoking habits, etc). There's also a 3rd option that gives you more money but asks a bit more invasive questions. The answers from the 3rd option are supposedly never sent to anyone other than your employer in the aggregate, so they can understand certain trends related to their insured employee base (how many heavy drinkers, smokers, overweight people, potentially pregnant wives, etc. do they have in the workforce) but it's understandable that not everyone is comfortable with the privacy issues, so it's optional. I forget the exact number, but we can "earn" at least $500 or $1000+ a year in HSA money depending on the year.