Decision Control - Employees can choose to use their HSA dollars to pay for any qualified medical expense. With HSA, the employee is now empowered to manage their health care expenditures as they see fit.

Savings Reward - Unlike premiums, unused HSA dollars remain in the employees’ account for use at a later time and/or accumulated for retirement.

Flexibility - HSA dollars can be used to pay for many health care expenses not covered by traditional group insurance plans. (See qualified expenses) In addition, HSA dollars are not controlled by network restrictions and can be used to pay from the very 1st dollar of healthcare expense.

Complete Portability - Should the employee leave, their HSA goes with them.

Tax savings - Employee contributions to an HSA are made with pre-tax dollars thus reducing income tax liability.

Use-it-or-lose-it - Not with HSA, account balances roll over from year to year.