New name, same plan
For 2026 we’ve updated our plan names to make it easier to see how they’re different. Because the former Saver Plan lets you use a health savings account (HSA), it’s now called the Saver HSA Plan.
Save money for health care
Tax savings
Set aside money from
your pay for medical expenses
before taxes are taken out and
keep more of what you earn.
Matching money
Get a match from Walmart: $350 for yourself, or $700 for yourself and your dependents. To receive the matching contributions, you will need to open the HSA through HealthEquity and make your own contributions through payroll deductions.
Take it with you
The money in your account belongs to
you, including the match, even if you
change plans or leave the company.
You get 100% coverage for eligible preventive care when you see providers in your network. Preventive care includes things like annual checkups, vaccinations, mammograms, and other tests to help keep you well.
Visit IncludedHealth.com/Walmart to find a network provider. Or go to DoctorOnDemand.com/WalmartCare to connect with a virtual primary care provider for many of your preventive health care needs.
You will pay the full cost for most other care you receive until you meet your deductible. After that the plan pays up to 75% of eligible in-network costs and 50% of eligible out-of-network costs for most services.
Once you meet your deductible, Walmart’s Centers of Excellence program gives you access to specialists at some of the best facilities in the country for some serious, complex conditions. The program covers heart and spine surgeries, knee and hip replacements, medical records review for most types of cancer, transplants, weight loss surgery, and fertility care. Treatment for many conditions comes at no cost to you, once your deductible is met. This includes travel and lodging for you and a caregiver, if applicable. Learn more about Centers of Excellence.
With this plan, you set up a special Health Savings Account to help you pay for the cost of care.
- Your money. Money in this account belongs to you and is separate from the plan.
- Your savings choices. You choose how much you want to set aside each pay period and you can change it any time.
- Tax-free dollars. If you elect to make contributions through payroll deductions the money is deducted from your pay before taxes are taken out, so you keep more of what you earn. Additionally, you can pay for qualified medical expenses with tax-free dollars.
- Automatic match. Walmart matches the first $350 you save if you cover just yourself, or $700 if you cover dependents. There’s an IRS maximum (as of 2026) of $4,400 per year for individual or $8,750 for family coverage, which includes Walmart’s matching contribution to your account. You can contribute an additional $1,000 during the year in which you reach age 55 and each year after that. To receive the matching contributions, you will need to open the HSA through HealthEquity and make contributions through payroll deductions.
- Earn interest. You can save this money for the future, invest it in mutual funds, or take it all with you when you retire or leave the company.
Because of IRS rules, you’ll have to pay the full cost for prescriptions other than preventive medications until you meet your deductible. After that, regular pharmacy copays apply, including generic prescriptions for just $4 at a Walmart or Sam’s Club pharmacy. You must use one of these pharmacies to fill your prescriptions.
You can also skip the pharmacy and get eligible prescriptions by mail through Walmart Home Delivery Pharmacy. Your cost for a 90-day supply through home delivery is three times the cost of a 30-day supply at the pharmacy. Also, specialty medications are only available through Walmart Specialty Pharmacy.
Getting to a healthier you is easier with your virtual health benefits. You have access to a primary care provider you can see online through Doctor On Demand by Included Health, at no cost to you. They can:
- Handle your family’s everyday health needs.
- Help you manage chronic conditions like diabetes, high blood pressure, and asthma.
- Connect you with mental health professionals and more.
- Prescribe some medications with just a video visit.
You can also use other app-based programs for physical therapy and digestive health support. These virtual services are available at no cost to you with the Premier PPO Plan.
Learn more at One.Walmart.com/VirtualCare
Choosing a quality provider is one of the most important decisions you can make for your well-being. We’ve made it easier for you to find a quality network provider using transparent ratings based on provider history of proper care, procedures, and better patient health outcomes. Our provider directory helps you find quality providers who have accurately diagnosed health conditions, recommended the right treatments, and helped their patients get better.
Learn more at One.Walmart.com/QualityProviders or find quality providers at IncludedHealth.com/Walmart
Your annual deductible is $3,000 for yourself, or $6,000 for yourself and your covered dependents. This is the amount you’ll have to spend each year before the plan starts paying up to 75% of the eligible costs. If you cover dependents, all covered participants' expenses combine to help meet the family deductible.
There’s a $300 copay for emergency department services, in addition to your deductible. If you’ve already met the deductible, you’ll pay just a $300 copay in most cases. If you are transported to the emergency department by ground ambulance, there is a separate $300 copay in most cases, in addition to your deductible.
To see your cost per pay period for all your medical plan options, see the Compare Plans page.
- During your initial enrollment period. This is when you first become eligible for benefits, and it depends on your job classification. See your personalized eligibility information at One.Walmart.com/BenefitsGuide
- During Annual Enrollment, when all eligible associates can sign up or make changes at One.Walmart.com/Enroll
- When you have an election change event, like a marriage or divorce, a birth or adoption, or a change in your employment that affects benefits eligibility. Keep in mind that you can only make changes that are directly related to the event. You’ll find details in the Associate Benefits Book.
- If you’re enrolled in a Medicare prescription drug plan, you’re not eligible to enroll in any Walmart-sponsored medical plan.
When it’s time, enroll online.
Need help?
Chat with a People Services Representative at 
See the 2026 Associate Benefits Book for more information about your benefits and eligibility. It will control over any conflicting information on this page.
Your Privacy Choices