When Does My Deductible Reset? (Calendar Year vs. Plan Year)

Your deductible and out-of-pocket maximum accumulators track how much you spend toward healthcare during a benefit cycle. Once your cycle ends, these spending counters reset to $0.00 for the new coverage period.

Depending on your employer's plan setup, your deductible resets on either a Calendar Year or a Plan Year schedule.

Understanding Resets: Calendar Year vs. Plan Year

Sana offers both schedule options, and your employer selects one schedule for the entire company:

• Calendar Year Schedule:
  • Your benefit cycle runs from January 1 through December 31.
  • Your deductible and out-of-pocket maximum reset every year on January 1.
• Plan Year Schedule:
  • Your benefit cycle begins on the first day of your company's policy renewal month (e.g., October 1) and runs for 12 consecutive months.
  • Your deductible resets on the first day of your company's plan renewal month.

Important Note on Plan Year Carryover:

In some cases, a company may operate on a Plan Year renewal schedule while its spending accumulators (deductibles) run on a Calendar Year schedule. This setup allows employees switching insurance carriers mid-year to carry over deductible credits from their prior carrier.

How to Check Your Deductible Reset Date in the Portal

You can verify your current accumulator progress and active plan dates at any time in your Sana Member Portal:

1. Log in to your Sana Member Portal.
2. Go to the Home Dashboard, there you will see your Medical Spend section.
3. Look at your Accumulator Periods listed under your deductible progress bar.
   • Calendar Year: If the date range shows 01/01/2026 – 12/31/2026, your deductible resets on January 1.
   • Plan Year: If the date range shows a different 12-month period (e.g., 10/01/2025 – 09/30/2026), your deductible resets on the first day of that start month.

Need Help Checking Your Cycle?

If you are unsure when your company's plan year renews, you can view your official policy documents under the Documents tab in your Member Portal or reach out to your company's HR Manager.