A Spending Account Experience Made Easy.

If you have established a Section 125 plan, spending accounts give your employees the flexibility to use pre-tax dollars to pay for medical, dental, vision, prescriptions, and other qualified medical expenses — saving them money. And our team works with you to make it easier than ever to pair a spending account to your health plan.

Find Your Match

Every health plan should be paired with a spending account. This chart will help you find the right spending account for your business.

Health Plan Type	Employee Premium/Deductible	Employee Out-of-Pocket Expense	Spending Account Pairing
Qualified High-Deductible Health Plan	Low/High	Higher	Health Savings Account + Limited Purpose Flexible Spending Account
Traditional Plans	High/Low	Lower	Flexible Spending Account and Health Reimbursement Arrangement
Traditional Health Plan w/ higher deductible	Low/High	Higher	Flexible Spending Account and Health Reimbursement Arrangement

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Great Add-ons to Any Health Plan

These spending accounts can be paired with any plan to help your employees pay for qualified transportation, child care, and even some adult care expenses.

Dependent Care Flexible Spending Account
Commuter Benefits Account

Spending Accounts: What's the Difference?

To see how different spending accounts are used, check out this chart.

	HSA	HRA	FSA
Pay for deductibles/coinsurance/copays	Yes	Yes	Yes
Pay for dental/vision/presctiptions	Yes	Yes	Yes
Pay for dependent care	No	No	Yes
Account owned by	Employees	You	You
Invest money for future expenses	Yes	No	No
Funded by	Employees*	You	Employees*
Need Qualified High Deductible Health Plan	Yes	No	No
Money is transferable if person changes jobs/changes health palns/retires	Yes	No	No
Can reduce taxable income	Yes	No	Yes
Debit card available	Yes	Yes	Yes

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*Employers may choose to contribute. The IRS sets different limits on contributions to HSAs and FSAs.

Simple Is Good. Streamlined Is Better.

No matter which spending account you choose, you get the simple experience you've been looking for, like:

Ready-to-use employee educational resources

Year-round educational resources make it easy to inform your employees of their benefits.

Real-time reports

Get rich data insights from employee engagement reports when you need them

Fast Service Support

Whether it's a quick question or you need help with something more complicated, the support you need is always close by.

Give Your Employees What They Want

Your employees will thank you because our spending account experience gives them:

Convenient Access

Our app lets users view and pay balances, manage debit cards, see recent transactions, and more, all from their phones.

Alerts on their terms

Employees can choose text or email alerts to easily manage their account.

Fast and accurate answers

If they have questions about their health plan or spending accounts, they have only one number to call to get help.

Let's make things easier for you

Talk to a sales rep about how you can pair a spending account with your health plan.

CONNECT WITH US

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