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Health Savings Accounts (HSAs) For Employers

With health care costs continuing to rise, an HSA-compatible High Deductible Health Plan (HDHP) may be an affordable alternative to traditional health insurance.  HDHPs have higher deductibles and out-of-pocket expense limits than traditional health plans but typically have lower premiums.
 
In addition to lower premiums, employees and employers can take advantage of the following benefits:
 
  • Employers can make contributions to their employees’ HSAs.
  • Employer contributions may be tax deductible.
  • Employee contributions may be tax deductible.
  • Unlike a Flexible Spending Account (FSA), employees will not lose the money in their HSA if it isn’t used by the end of the year.
  • Unused HSA balances can be rolled over until retirement.
  • Upon retirement, employees may continue to use their HSA funds tax-free if the funds are used to pay for qualified medical expenses.
 
Learn more about HSA's.
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