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different. Employee contribution for dental will match medical contribution. (c) Each year, prior to their anniversary dates, each plan will be reviewed by a Health Insurance Review Committee consisting of the Village Administrator, one Village Trustee, one Union employee and one non-union employee. This Committee will on an annual basis, review the existing insurance plan benefits and their associated costs and also investigate options for new plans or carriers in an effort to maintain the best possible product at the most competitive rates. It will then make recommendations for either maintaining or revising the existing plan or changing to a new plan or carrier. Both the Union and Village Board of Trustees must mutually agree upon any recommended changes during the life of this Agreement. Section 2. Cost of Coverage. (a) The employee will be responsible for five (5) percent of the actual costs for the insurance premiums and deductibles. Regardless of any insurance coverage changes in years two (2) and three (3) this contribution percentage will still apply. (b) HSA Contributions. The full contribution by the Village to an employee's HSA as defined by the limitations stated above will be made each year on the first business day following the anniversary date of this agreement. (c) Employees hired after June 1, 2017 will be responsible for ten (10) percent of the actual costs of the insurance premiums and deductibles. Regardless of any insurance coverage changes in years two (2) and three (3) this contribution percentage will still apply. C (d) Employees hired after June 1, 2023 will be responsible for fifteen (15) percent of the actual costs of the insurance premiums and deductibles. Regardless of any insurance coverage changes in years two (2) and three (3) this contribution percentage will still apply. Section 3. Limitations and Reimbursements. (a) Health insurance. Health care insurance coverage, co-pays, minimum deductibles and limitations are defined by the existing insurance contract as agreed to by both parties. (d) Health Savings Account (HSA). All funds in an employee's Health Savings Account are used at the sole discretion of the employee and are subject to IRS rules set forth for governing how the deductible is to be administered. Unused funds carry over from year to year and remain the property of the employee. (c) Employees shall only be entitled to one (1) health insurance policy if both husband and wife are employed by the Village. This can be in the form of one (1) family plan or separate single plans. (d) New employees shall be eligible for coverage on the first of the month following completion of sixty (60) days of Village employment. (e) Employees who do not participate in either or both of the medical or dental insurance plans shall be entitled to a reimbursement of 35% of the Village contribution, but reduced by an amount equal to the employee contribution 31