Making the Most of HDHPs & HSAs
High-deductible plans only work when employees understand them. Fruition Mentors turn open enrollment confusion into confident choices that save money for employees and employers alike.
Employee Problem
During open enrollment, many employees opt out of High-Deductible Health Plans (HDHPs) with Health Savings Accounts (HSAs)—or enroll without fully understanding how HSAs work. They view the higher deductible as too risky and fail to leverage the pre-tax savings, employer HSA contributions, and long-term investment benefits.
Fruition Solution
HR coordinates open enrollment spotlight workshops where employees can schedule 1:1 Fruition Mentor Sessions. Mentors walk employees through their household healthcare utilization and run scenarios showing how combining the employer’s HSA seed money with pre-tax payroll contributions reduces overall taxable income while creating an emergency medical safety net.
Lowers Employer FICA Tax Payroll Burden
Employer contributions to HSAs and employee pre-tax contributions via Section 125 cafeteria plans lower total taxable payroll, creating direct payroll tax savings for the business.
Drives Benefit Plan Migration
Increases adoption of cost-effective HDHP plans, helping lower overall health plan renewal premiums for the organization.
Boosts Benefit Perception
Employees feel supported during open enrollment rather than overwhelmed by complex health insurance options.
