Health benefit solutions

Broad suite of health accounts

Designed with your needs in mind, our health account solutions can help you offer a competitive benefit plan for your employees. As your needs continually evolve and grow, we’ll be with you every step of the way. You can lean on our experience to help educate and equip your employees to make the most of their health benefit solution. Plus, our tools and resources are designed to make program administration as simple and seamless as possible for you.


Health Savings Account (HSA)1

Flagship product. A portable account with integrated investments and triple-tax2 advantages that include:


  • Contributions can be made pre-tax
  • Deferred taxes on interest or investment gains
  • No taxes on withdrawals for qualified medical expenses now and in retirement


Flexible Spending Account (FSA)1

Our integrated full-or limited-purpose reimbursement account with an intuitive debit card and when a limited FSA is used with an HRA or an HSA, the debit card can be configured to know which account to apply expenses to first.


Health Reimbursement Arrangement (HRA)1

Our HRA platform can allow many variations on a customizable benefit program.


Commuter Benefits1

An employer provided voluntary benefit program that allows employees to set aside pre-tax dollars to pay for expenses related to commuting to and from work for mass transit, vanpooling and work-related parking costs.


Benefits for you

Dedicated client services team

Our goal is to keep everything running smoothly—from day-to-day operations to annual enrollment, strategic planning and periodic reviews.


Convenience and choice

Our flexible HSA solution works with virtually any health insurance carrier for seamless integration with your existing programs.


Employee engagement

We partner with you to communicate health account benefits to your employees.


Workplace insights

We’ll provide ongoing thought leadership and analysis of the healthcare landscape.


Easy-to-use employer portal

Our portal is intended to help make account administration easy.



We are committed to having measures in place so your information is always protected.


Employer communication toolkit 

You'll have online access to communications and resources you can share with your employees.


Simplified onboarding

Our experienced Implementation Team will assist you so that you experience a smooth onboarding for you and your employees.


Benefits for your employees

HSA “triple tax advantage”2

An HSA offers three federal tax advantages that help employees keep more of their money—pre-tax contributions3, tax-free earnings and tax-free withdrawals.


Member website

This secure online access is intended to make it easy to submit claims and monitor accounts.


Learning hub

We created a multi-channel approach to educational content that has been designed to help your employees make the most of their health accounts based upon their individual needs.



Located in our U.S.-based, secure facilities, our dedicated Customer Care associates are available 24/7 to support your employees with any questions they may have along the way. Online chat is also available for them on the member website.


Visa® debit card

Our debit card is the easiest way to pay for qualified health care expenses.


MyHealth mobile app4

We are continually innovating and optimizing our mobile experience to provide industry-leading account management tools.


HSA investment feature

Your employees can potentially maximize their HSA by investing a portion of their balance in a select menu of low cost, competitive mutual funds.


Explore more

Get in touch with us today.

Discover how we can differentiate your program and offer employees a range of health benefits solutions.

1Offered by Bank of America, N.A. (“BANA”), Member FDIC.

2Please consult your tax advisor regarding state specific rules.

3About Triple Tax Advantages: Participants can receive tax-free distributions from their HSA to pay or be reimbursed for qualified medical expenses they incur after they establish the HSA. If they receive distributions for other reasons, the amount withdrawn will be subject to income tax and may be subject to an additional 20% tax. Any interest or earnings on the assets in the account are tax free. Participants may be able to claim a tax deduction for contributions made to the HSA. We recommend that applicants and employers contact qualified tax or legal counsel before establishing a HSA.

4Data connection required. Wireless carrier fees may apply. Mobile app not available on all devices.