Healthcare & Benefits

Health
Savings Account

An HSA helps employees save in advance for future medical expenses. Both you and your employees can contribute to the account tax-free, and balances over $100 earn competitive, tiered interest. Employees can pay for qualified medical expenses at anytime — without paying a penalty for withdrawal.

Health Savings Account
Tax-Free Growth
Contributions, earnings & withdrawals
Active
Tax-Free
Contributions
$100+
Earns Interest
0%
Withdrawal Penalty
HDHP
Compatible
Retirement
Unused Funds Roll Over
Free
Debit Card Included
Why Choose HSA

Benefits for Employers & Employees

A Health Savings Account is one of the most powerful tools for managing healthcare costs. It delivers value to both employers and employees through tax advantages, flexibility, and long-term savings potential.

Triple Tax Advantage

Contributions are tax-deductible, earnings grow tax-deferred, and withdrawals for qualified medical expenses are completely tax-free. No other account offers this level of tax efficiency.

Employee Retention

Offering an HSA as part of your benefits package helps attract and retain top talent. Employees value the flexibility and long-term financial security that an HSA provides.

Lower Premiums

Pairing an HSA with a High Deductible Health Plan (HDHP) significantly reduces monthly insurance premiums for both employers and employees, creating immediate cost savings.

For Employers

Why Offer an HSA to Your Team?

Health Savings Accounts are a strategic investment in your workforce. They reduce costs, simplify benefits administration, and demonstrate that you care about your employees' long-term financial health.

1
Provide Great Benefits to Employees
Demonstrate commitment to employee wellbeing with a benefit that delivers real financial value year after year.
2
Helps Retain and Attract Good Employees
Competitive benefits packages are a top factor in job decisions. An HSA sets your company apart in the talent market.
3
Contributions Are Tax-Deductible
Employer contributions to employee HSAs are fully tax-deductible as a business expense, reducing your overall tax liability.
4
Reduced Insurance Premiums
HDHPs paired with HSAs cost significantly less than traditional health plans, lowering your company's benefits budget.
5
Little Administrative Burden
Our streamlined platform handles enrollment, contributions, and reporting with minimal HR involvement required.
For Employees

Why Employees Love Their HSA

Employees gain control over their healthcare spending while building a nest egg for future medical costs and even retirement. It is a benefit that pays dividends for decades.

1
Interest-Bearing Account
Balances over $100 earn competitive, tiered interest rates. Your healthcare savings actually grow while you sleep.
2
Use Funds on Any Qualified Medical Expense
From doctor visits and prescriptions to dental, vision, and even some over-the-counter items — your HSA covers it all.
3
Contributions Are Tax-Deductible
Every dollar contributed reduces taxable income. Employees keep more of what they earn while saving for healthcare.
4
Earnings Are Tax-Deferred
Interest and investment earnings accumulate tax-free, maximizing the long-term growth potential of every dollar saved.
5
Reduce HDHP Costs
The HSA offsets the higher deductible of an HDHP, making high-deductible plans practical and affordable for everyday care.
6
Unused Funds Go Toward Retirement
After age 65, HSA funds can be withdrawn for any purpose without penalty — functioning as a supplemental retirement account.
Free Debit Card Included
Pay for qualified expenses instantly at any provider
Account Features

Everything Your HSA Includes

Our HSA comes with everything you need to manage healthcare expenses efficiently, from convenient payment tools to robust online management.

Free Debit Card

Instant access to HSA funds at doctors, pharmacies, and healthcare providers nationwide.

Online Account Management

24/7 access to balances, transactions, and tax documents from any device.

Tax Document Access

Automatic generation of Form 5498-SA and Form 1099-SA for easy tax filing.

Mobile Alerts

Real-time notifications for contributions, withdrawals, and low balance reminders.

Tiered Interest Rates

Higher balances earn better rates starting at just $100 minimum.

Employer Contribution Tools

Easy payroll integration and bulk contribution management for HR teams.

No Use-It-or-Lose-It Rule

Funds roll over year after year. Your balance is always yours to keep.

FDIC Insured

Your HSA deposits are insured up to $250,000 per depositor.

Get Started

Set Up Your HSA in 3 Easy Steps

1

Enroll Your Company

Contact our team to set up your employer HSA program. We handle the paperwork and provide enrollment materials for your HR team.

2

Employees Open Accounts

Employees complete a simple online application in minutes. Accounts are activated instantly with no minimum balance required to open.

3

Start Contributing

Set up automatic payroll deductions or make one-time contributions. Both employer and employee contributions begin earning interest immediately.

Offer Health Savings
Accounts to Your Team

Join thousands of employers who use our HSA platform to provide meaningful healthcare benefits while reducing costs. Setup takes less than one business day.

Get In Touch

Speak With an HSA Specialist

Have questions about HSA setup, contribution limits, or qualified expenses? Our certified benefits specialists are available to provide personalized guidance for your organization.

Email Support
hsa@capitalrecoverylmt.com
Phone Support
+1 (800) 555-0199
Headquarters
1200 Financial District, New York, NY 10004

Request a Consultation

A specialist will contact you within 24 hours.