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HEALTH SAVINGS ACCOUNTS (HSAs)

Why should you have an HSA?

A health savings account (HSA) is a powerful tool that helps individuals save on healthcare expenses now and in the future. An HSA, paired with a high deductible health plan (HDHP), provides members with triple-tax1 savings. HSAs are one of the most tax-advantaged accounts in America today.

How an HSA saves you money with triple‑tax savings.1

Contributions to your HSA are tax deductible, growth within the account is tax-free, and when funds are used to pay for qualified medical expenses, the distribution of both principal and interest is tax‑free.

HSAs help you keep your money. Other accounts could lose it.

An HSA is a health savings account and like your normal savings account, the money is yours and it never expires. Plus, you keep the same account even if you change companies or health plans, and unlike FSAs and other accounts, HSAs are never use‑it or lose‑it.

Invest your HSA pre-tax to help you retire easier.2

You can invest your HSA dollars just like a 401(k) and your money can grow tax deductible. You can rest easier knowing you’re prepared for health care expenses in retirement.

Why HealthEquity?

HealthEquity strives to provide your employees with resources and education to take charge of their healthcare and retirement. We handle the benefits so you can focus on your business. We offer a one-stop shop for benefits solutions with world-class features and customer service.

Customer service that's here for you

US based support is available 24 hours a day, 365 days a year

Average answer speed of 13 seconds in 2019 with 92% first interaction resolution

Success measured by education of members, not call handle time

HealthEquity HSA Features

Customizable employee education

Our education materials provide a clear, positive message that engaes employees and inspires greater adoption. Our communication plan focuses on simplicity and highlights the wins and savings.

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Diverse investment options2 and Advisor™ — Powered by HealthEquity Advisors, LLC3

HealthEquity provides access to a complete investment spectrum with options design to suit every employee. Based on personal risk preferences, Advisor™ provides web-based recommendations on which funds to choose, how to diversify money amongst those funds, and can even implement the suggested portfolio automatically.

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Balance Booster™ — funds from day one

Balance Booster gives your employees peace of mind by providing them immediate access to HSA funds before they have built up their account balance.

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Member portal and mobile app4

Using the HealthEquity member portal, your employees can check balances, review transactions, view insurance claims, invest in mutual funds, pay providers and submit requests for reimbursement. The mobile app provides access to accounts from anywhere.

Automatic health plan integration

Our proprietary technology allows claims, eligibility and other data to be imported directly into our flexible system. This results in a smooth experience with less paperwork and powerful tools.

Employer portal

The HealthEquity employer portal is a secure interface for managing your company’s HealthEquity services, including employee eligibility, account funding, reporting and more.

World class customer service

Our team of account mentors based in Salt Lake City are available 24 hours a day, providing your employees with the tools and information they need to maximize their health savings.

One Partner. Total Solution.

Only HealthEquity delivers the integrated solutions you need to simplify benefits and truly impact peoples’ lives.

Heath savings account (HSA) solutions for businesses

Together, your heath plan and HealthEquity deliver a fully integrated approach to consumer-driven healthcare. It’s a solution with easy enrollment, less paperwork and hassle-free claims. This means simplified account management as well as online tools, resources and education. You’ll also get the dedicated service and support that distinguishes our offerings.

Tax Savings for Businesses1

HSA contributions through payroll deductions result in FICA and income tax savings for employers.

Powerful Health Plan Integrations

Unlike many other health account administrators who claim to have "integration," our solution is complete. Our proprietary technology allows claims, eligibility and other data to be imported directly into our flexible system. This results in a smooth experience with less paperwork.

We’ll work with your employees so your benefits department isn’t overwhelmed

Because of our comprehensive employee education program and account mentors that are available 24 hours a day, your HR department won’t be overwhelmed with questions.

Easy HSA Implementation

Our streamlined process makes implementing HSAs easy for employers. With powerful technology and an expert implementation team, we provide a convenient launch process. Learn more.

Learn more about our business solutions

Heath savings account (HSA) solutions for brokers and consultants

We know how hard you work to find the best solutions for your clients. HealthEquity makes it easy to provide the best solutions and world-class customer service from a company that offers all of the benefits they need from a single vendor.

Learn more about our solutions for brokers and consultants

Questions? Contact us to learn more about any of our solutions.

Additional Resources

Download our guide that explores what to look for in an HSA provider. Topics include HSA investments, employee education and more!

Schedule a free demo of our platform! Demo includes employer and member portal experience.