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High Deductible Health Plans <br /> and HSAs Save Money <br /> Business Owners Employees <br /> Reduce Costs - • Costs <br /> Lower Premiums Lower Premium Payments <br /> Encourages employees to <br /> make more efficient use of the <br /> health care system. <br /> Insulating loss ratio Tax Savings <br /> With higher deductibles, your Pre tax contributions <br /> ratios are insulated, resulting Tax deferred growth <br /> in lower renewal rates on your Tax free distribution for <br /> health care plan. medical expenses <br /> Reevaluating your health plan Savings on FICA Tax <br /> can add value to your bottom Lower payroll deductions due <br /> line. Enjoy net premium to pretax contributions to your <br /> savings without increasing Health Savings Account. <br /> risk liability. <br /> Employee's payroll Employee driven savings <br /> contribution to HSA saves the become a benefit to the <br /> employers FICA Tax. Payroll is employee versus the <br /> lowered by the amount the insurance carrier. <br /> employees contribute into their <br /> savings accounts. <br /> Empowers employees to In addition to the normal <br /> determine their level of contribution, employees 55+ <br /> health care. may deposit a catch-up <br /> amount up to $600 per year. <br /> Rewards health conscious <br /> employees with health <br /> cost savings. <br />