The State is seeking to procure a qualified health savings account (HSA) trustee and a Flexible Spending Arrangement (FSA) administrator that can manage the HSA and FSA services described in Contract Section A of the pro forma contract. This Contractor shall establish, manage and administer HSAs for all State Group Insurance Program (SGIP) plan members enrolled in an eligible health plan (currently the Consumer Directed Health Plan (“CDHP”) plan or the Local Consumer Directed Health Plan (“Local CDHP”)). The Contractor shall also administer FSAs for state and higher education employees who participate in the flex spending program. FSAs will not be made available under this contract to offline state agency employees, local education employees, or local government employees. Offline state agencies are not part of the executive branch of state government but have been granted access to some state sponsored insurance programs. There are currently four offline agencies.