Employer Benefits:

• Lower Premiums
  As employees become responsible for health costs.
  
• Insulate Loss Ratio
  Since deductibles are higher, your ratios are insulated. This results in lower renewal rates on your health plan.
  
  Empowers employees to determine their level of Health Care, encouraging more efficient use of health benefits.
  
• Reduce FICA Tax
  Employee’s payroll contribution to HSA ‘s save the employers FICA Tax. Payroll is lowered by the amount the employees contribute into their savings accounts.

Employee Benefits:

• Lower Premiums
• Tax Savings
    Pre-Tax Contributions
    Tax Deferred Growth
    Tax Free Distribution for qualified   medical expenses.

Employee driven savings become a benefit to the employee versus the insurance carrier.

For more information contact one of our Personal Bankers.