Advantages of an HSA-qualified HDHP HMO

• A wide selection of plans. Choose from a range of deductibles, copays, and coinsurance.

• Lower rates. HSA-qualified HDHPs typically have lower monthly rates than other plan types.

• No-cost preventive services. Preventive services are covered at little or no cost to members.

Advantages of a health savings account (HSA)

• Convenient administration. An HSA administered through Kaiser Permanente¹ is easy to manage and offers a convenient, integrated member experience. Employers can also choose an HSA administrator of their choice.

• Tax savings. Contributions to employees’ HSA accounts are tax deductible for employers and tax-free for employees.²

• Financial protection for members. Members are protected from higher out-of-pocket costs and empowered to become well-informed health care consumers.

Tools and resources

• Complete Suite. Our Complete Suite portfolio makes it easy to choose the right HSA-qualified HDHP HMO for any business. Custom plans are also available for large groups. For more information, please contact your sales representative.

• HSA future value calculator. Our HSA future value calculator helps members determine the best contribution strategy for their HSA. They can set different contribution levels to see estimates of what their HSA may be worth over time, as well as their total tax savings.

• HSA contribution and tax savings calculator. Our HSA contribution and tax savings calculator helps members determine their maximum allowable HSA contribution. It also provides estimates of their total tax savings and effective contribution cost.

• Deductible funding policy. Learn how our deductible funding policy (PDF) affects businesses.

• Convenient cost estimates. Online resources like sample fee lists and our treatment fee tool clearly explain the cost of care.

• Consumer-directed health care (CDHC) study. Our CDHC study brochure discusses a 6-year study of nearly 1,700 large group customers who adopted Kaiser Permanente CDHC plans — and shows how our integrated care model helps maximize the cost savings, quality, and member engagement our CDHC plans offer.

¹ _{For information about a Kaiser Permanente–administered HSA, please contact your Kaiser Permanente sales representative.}

² _{The tax references in this document relate to federal income tax only. Consult with your financial or tax advisor for information about state income tax laws.}

_{This information was accurate at the time of posting. Please contact your Kaiser Permanente sales executive or account manager for current information.}