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As a leader, are you committed to helping employees achieve financial wellness? Our studies show employer contributions matter.

The art of Health Savings Account (HSA) contributions
The number of employers adopting High Deductible Health Plans (HDHPs) with an HSA continues to rise. It’s an effective strategy for many companies – large and small – to balance medical cost trends while helping educate employees as smarter consumers of health care. But simply offering this combination doesn’t guarantee employee adoption.

Our research shows the strongest engagement lever to pull is tied to employer contributions:

  • Adoption: Employees are 50% more likely to open an HSA when their employer “seeds” the fund.
  • Timing: Employees treat their health care account more like a savings account when employers contribute at the start of the plan year.
  • Mindset: Employers who fund HSA contributions at the start of the year help to foster an investment mindset, when compared to employees who receive contributions throughout the year (which fosters a spender’s mindset).


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Read the full article: Wisely timed employer contributions translate into $8.6 million in savings for employers.