The Harsh Realities of HDHPs with HSAs

Did you recently put a high deductible health plan (HDHP) in place or increase the deductible on an existing plan for any of your clients? I'm sure that helped with the immediate problem of offsetting rising premium costs, but what happens when your client and their employees come face-to-face with the realities of that decision?

For instance:

  • Employees don't have the money needed to pay that high deductible because their HSA funds aren't sufficient.
  • The group loses key talent over benefits, causing lost knowledge and reduction in productivity.
  • The group spends more due to turnover because their benefits aren't robust enough to keep or attract talent.
  • Client senior decision-makers feel the personal impact and get unhappy with your advice.

Don't wait for the HDHP issue to erupt. Stay ahead by exploring flexible and innovative benefit solutions.



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