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HSAFlex

What is HSAFlex?

Giving employees more control of their healthcare spend through HSAs paired with a qualified high-deductible health plan (HDHP) allow employers and their employees to make pre-tax contributions to an FDIC-insured savings account. (*) (**)


  • The employee owns the HSA account and all contributions. They can decide when and how to spend or save their money—it’s theirs forever and the funds don’t expire
  • Money in the account earns tax-free investment earning and interest. All funds earned and contributed may be used for eligible healthcare expenses can be withdrawn at any time without incurring taxes or penalties (*)
  • Money invested in an HSA is 100% tax deductible until annual contribution limits are reached. (*) (**)
  • Employees can use the HSA to save for retirement


*Part of the HSA “triple-tax advantage”: Pre-tax contributions, tax-free interest and investment earning, and tax-free withdrawals for qualified expenses

**ESG is not an investment advisor, plans are professionally managed mutual or ETF funds or self-directed accounts at Charles Schwab

What can HSAFlex do for your company?

HSAs empower participants to pay for health expenses, save for the future, & invest to build wealth!

  • HSA solution offers a true consumer driven engagement with total money management features, web portal, and optional investment allocation
  • HSA account owners benefit with contributions being tax deductible and can be modified as circumstances dictate
  • HSA account owners truly control their account dollars, balances if not spent are owned by the employee (not subject to use it or lose it like FSA, rather available for perpetual carryover with conditions)
  • HSA accounts are investment eligible funds and earnings are retained tax free or withdrawl for qualified expenses
  • HSA accounts have debit cards processing with full artificial intelligence and automatic adjudication using the IRS approved IIAS database
  • Single card solution allowing side accounts like Limited Purpose FSA or Dependent Care FSA accounts on a single card (all accounts are reviewable via web portal or smartphone app)

IRS Contribution Limits for 2025

The IRS released 2025 contribution limits for medical flexible spending accounts (medical FSAs), commuter benefits, and more as part of Revenue Procedure 2024-25. These limits undergo annual adjustments to account for inflation. 


View full comparison breakdown here!

It’s your money. Why not keep more of it? With an HSA you can.

A Health Savings Account (HSA) is a tax-advantaged medical savings account specifically designed for individuals enrolled in a qualifying high-deductible health plan (HDHP). HSAs provide individuals with the opportunity to save and invest funds for healthcare expenses while enjoying tax advantages. 


ESG offers a comprehensive solution for Health Savings Accounts (HSAs), allowing you to discover their benefits and create a customized and streamlined HSA offering. With ESG's guidance, you can explore the possibilities and understand how HSAs can benefit your organization.

Introducing Health Savings Account (HSA):

ESG provides a user-friendly platform and mobile app for participants to effortlessly manage their funds and cover medical expenses. Similar to the matching concepts 401(k) plans or customizable allocation. Participants also have complete control over their HSA investment strategy, with access to a wide selection of funds and free trades. ESG's mobile app allows participants to manage their HSA on the go. Additionally, ESG provides tailored HSA packages for partners, consultants/brokers, employers, and participants, ensuring a simplified and personalized experience for all.

HSA Annual Contribution Limits - Individual vs. Family Coverage

The contribution limits for Health Savings Accounts (HSAs) are set by the Internal Revenue Service (IRS) and can change from year to year. These limits are designed to ensure that HSAs are used primarily for covering healthcare expenses, and they include both individual and family contribution limits. The limits are typically adjusted annually to account for inflation.


5 Reasons to Choose ESG for Your Custom, Simplified HSA plan

1. We customize your HSA offering to align with your requirements

2. Streamline onboarding and account management for every HSA

3. Leverage state-of-the-art HSA investment technology

4. Simplify administration for employers of all sizes

5. Personalize the experience for HSA participants, catering to their unique needs and preferences

LEARN MORE ABOUT HSAFlex
Download PDF
Download PDF

Partner with us to unlock the full potential of HSA. Contact us to get started today!

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