Soluciones para los empleadores con respecto a la cuenta de ahorros para la salud (HSA)

HSA funds can be used for a variety of medical expenses, including:

• Copagos por visita al consultorio
• Deducibles del seguro médico
• Dental care (fillings, extractions)
• Vision care (exams, glasses)
• Medicamentos recetados e insulina
• Primas de Medicare
• Long-term care insurance premiums (partial)
• Hearing aids, wheelchairs, and crutches
• Imágenes (radiografías, resonancias magnéticas)
• Flu shots and allergy medicines

For a full list, refer to IRS Publication 502. Paychex also partners with the HSA Store for HSA-eligible items and resources.

The IRS set 2025 HSA limits: $4,300 for self-only coverage and $8,550 for family coverage. Minimum deductibles rise to $1,650 (self-only) and $3,300 (family), while maximum out-of-pocket expenses increase to $8,300 (self-only) and $16,600 (family). Participants 55+ can add an extra $1,000.

Yes. HSA funds can be withdrawn tax and penalty-free when used for qualified medical expenses. Funds can be accessed via debit card or reimbursed, depending on the plan. Non-qualified expenses incur taxes and a penalty if under 65. After 65, funds can be used for any expense without penalty, but withdrawals for non-qualified expenses must be reported as taxable income.

To qualify for an HSA, employees must be covered under a qualified HDHP, not enrolled in Medicare, not have any other disqualifying coverage, and not be claimed as a dependent. HSA eligibility is also restricted if they received Veterans Affairs benefits in the past three months.

HSAs help employees save for healthcare expenses while offering tax advantages for employers. However, consider alternatives like HRAs and FSAs to find the best fit for your team and budget.

Employees can set up an HSA by contacting HR or their benefits provider for guidance and enrollment. Contributions can then be made through payroll deductions.

A Health Savings Account (HSA) lets you save pre-tax money for medical expenses. You can use it to pay for qualified health costs like doctor visits, prescriptions, or medical supplies.

Yes, unused HSA funds roll over each year, so you don’t lose the money if you don’t spend it.

It depends on your goals. HSAs offer triple tax advantages for healthcare spending, while 401(k)s are great for general retirement savings. Ideally, contribute to both if possible.

The funds stay in your account and grow tax-free. You can use them later for medical expenses or, after age 65, for any purpose without penalties (though non-medical expenses are reported as taxable income).