The letter is sent to the member by PayFlex. That means that you had a health savings account (HSA) with PayFlex when you were previously enrolled in the CDHP. When you had the CDHP coverage, the state paid the monthly account maintenance fees for the plan member (you). When you change coverage and no longer have the CDHP, your HSA doesn't just go away. It is still there at PayFlex with funds in it and can be used but the you have to start paying the monthly account maintenance fees and PayFlex will take those fees out of your HSA funds. The letter is sent to the you to notify you of this. This change means that your HSA has changed to a retail account at PayFlex.