A high deductible health plan (HDHP) helps you offer health care to your employees at a lower cost, putting both you and your employees in charge by pairing comprehensive, low-premium plans with tax-advantaged funding accounts.
Employee Responsibility
Employees pay a deductible, a percentage of cost called coinsurance, and are protected by an out-of-pocket maximum.
Online member tools
Online member tools help employees feel more confident using their plan. Employees can log in to find participating doctors, estimate medical costs, track deductibles, spending, and more.
Spending Accounts
Tax-advantaged accounts help employees plan for qualified health expenses and can be funded by the employee, employer or both.
|
Health Spending Account Comparison |
HSA |
HRA |
FSA |
|---|---|---|---|
| The employee owns the account | Covered | Not Covered | Not Covered |
| The employer owns the account | Not Covered | Covered | Covered |
| The employer must have a high deductible health plan | Covered | Not Covered | Not Covered |
| Only the employer can put money in | Not Covered | Covered | Not Covered |
| The employee & employer can put money in | Covered | Not Covered | Covered |
| The employee can invest the money in the account | Covered | Not Covered | Not Covered |
| The employee must report account on their taxes | Covered | Not Covered | Not Covered |
Ask about our Auto Enroll HSA Plan to enroll your employees in an HDHP with HSA without the hassle of setting up the HSA.
Calculate Cost
HDHP Calculator
FSA Calculator
Spending Account Partners
Learn more about our spending accounts partners.
Lifetime Benefit SolutionsOpen a PDF
HSA BankOpen a PDF
