HSAs can empower your employees to get the most out of their health care dollars and take control of their spending. If you offer a qualified high-deductible health plan, you can offer an HSA to help manage costs and sustain health benefits.

Benefits for your organization

• Reduced payroll taxes — Employees’ pretax contributions reduce your payroll taxes and their taxable income (in most states).
• Decreased paperwork — Employees are responsible for verifying their expenses, paying for qualified medical expenses with their HSAs and reporting tax on account distributions.
• Enhanced benefits package — Attract and retain employees with a product that helps employees pay for health care now and save for health care in the future.

Benefits for your employees

• Reduced income taxes — Employees’ contributions reduce their taxable income (in most states).
• Tax-free growth — Accounts earn interest at competitive rates.
• Investment options — Employees can use some of their money to invest in no-load mutual funds for greater potential growth over time.
• Tax-free distributions — Employees can use the funds to pay for current and future eligible medical expenses free of taxes.
• Employer contribution option — You can choose to augment your employees’ savings. Employer contributions drive greater employee engagement and savings.
• Portability — Employees take the funds with them and can continue contributing if they opt for a qualified high-deductible plan in the future. Even if they don’t, they can spend remaining savings at any time on qualified medical expenses.
• Control over health care spending — HSAs can encourage employees to be more involved in managing their health care needs and promote more cost-conscious decisions.

About OptumHealth Bank
OptumHealth Bank, Member FDIC, is a leading HSA administrator with nearly 500,000 accounts. Visit our web site at www.OptumHealthBank.com.

Add an OptumHealth Bank HSA to your benefit plan
Call 1-866-427-6804 or e-mail engage@optumhealth.com to reach an employer relations representative, who can walk you through:

• Enrollment and contribution methods
• Calculators and tools available to your employees
• Our competitive fees and interest rates