Account-Based Benefit Solutions

HSA Bank offers many benefits for employers. By encouraging employees to sign up for an account-based benefits solution, employers will save on premiums, taxes, and claims. Education helps employees understand and value their health benefit programs, but effective plan design goes a long way, too.

• Health Savings Account (HSA)


• Health Reimbursement Arrangement (HRA)
• First Dollar HRA
• Stacked or Member Deductible HRA
• Coinsurance HRA
• Wellness Incentive HRA
• Retiree HRA


• Flexible Spending Account (FSA)
• Health Care Flexible Spending Account
• Limited Purpose Flexible Spending Account
• Dependent Care Flexible Spending Account


• Premium Reimbursement Account (PRA)

Commuter Benefits: Including Mass Transit and/or Parking Accounts

What do these accounts have in common? Money goes into and comes out of these accounts tax-free to pay for qualified medical expenses.

How do they differ? The plans vary based on what type of insurance plan they work with, who owns the account, and who can deposit money into the account.

Compare HSAs, HRAs, and FSAs to learn more.

To determine the best CDH plan, understanding your company goals is crucial. Whatever those goals are, HSA Bank provides a comprehensive solution that enables you and your employees to take control of your healthcare spending.

Plan Example One

• HSA Plus any of the following:
• Health FSA – "Limited Purpose" Dental + Vision
• Dependent Care FSA
• HRA – Dental only (first dollar coverage)
• HRA – Dental + Vision (first dollar coverage)

Plan Example Two

• Health FSA


• Dependent Care FSA


• HRA – First dollar benefit coverage, with expense parameters of:
• All health expenses
• Dental only
• Dental + Vision