Qualified High Deductible Health Plans

For groups of 1-50 employees

Most employees enrolled in a QHDHP are eligible to open a Health Savings Account (HSA), a type of savings account designed to pay qualified medical expenses. This HSA can be funded by a combination of employer and/or employee contributions -- both contribution types are tax deductible.

Funding options are flexible too. Employers can allow employees to elect to deposit money into an HSA via payroll deduction. The HSA funds can be used to pay for immediate or future health care expenses such as deductible, copays and coinsurance, or medical expenses that aren't covered by the plan. The list of qualified medical expenses that can be paid with an HSA is determined by the IRS and can be found in IRS Publication 502.

Employees can also let their HSA dollars accumulate. These funds earn interest, tax free. When money is needed to pay medical expenses, the withdrawals are also tax free. Highlights:

• Lower premiums compared to many fully-insured medical plans.
• Employer contributions are exempt from federal and FICA taxes
• Employee contributions in a given year are a 100% write-off against income taxes
• Deductible is reached through combined medical and prescription costs, not separate deductibles.

Our products have pediatric vision and pediatric dental services embedded.

D=Deductible

D/$=Deductible applies first then a copay

2021 Plans

Gold

Silver

Bronze