A benefit your clients will use - and recurring revenue for you
Bring employers the education and tools that turn the HSA they already offer into a benefit employees actually use. You place it; we present, onboard, and support.
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Recurring partner revenueEarn ongoing commission on every account you place.
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A benefit that saves clients moneyRare in benefits - payroll-tax (FICA) savings can offset its own cost.
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No lift to placeWe demo, onboard, and support. No IT project, no integration.
A win all around
TrackHSA delivers value to your clients, their employees, and your book of business.
For Your Clients
- Cut employer payroll taxes ~7.65% on new employee contributions
- Boost engagement and the utilization of benefits
- Differentiate their package to recruit and retain
- Reduce employee questions and confusion
- Tools and education for every HSA employee
- Zero change to carriers, payroll, custodians, or platforms
- Extremely affordable - low cost per employee
For You, the Broker
- New recurring revenue on every account you place
- A differentiated benefit that wins and retains clients
- Deepen relationships - a stickier medical/HSA book
- An easy story to sell - a benefit that can pay for itself
- We present, onboard, and support - minimal lift for you
- Works with any HSA plan - no carrier or custodian change
- No cost to join, no minimums
A benefit that can pay for itself
Your easiest value story in a benefits meeting: pre-tax employee HSA contributions - and employer contributions - are exempt from payroll (FICA) tax. Help a client's people contribute more through payroll, and the employer keeps about 7.65% of every new dollar - money they'd otherwise owe in payroll taxes.
Drive contributions up
TrackHSA's education and engagement move employees to enroll and contribute more through payroll.
Your client saves ~7.65%
Every new pre-tax payroll dollar is exempt from employer FICA - an automatic payroll-tax savings for the employer.
It pays for itself
Past a threshold of incremental contributions, the FICA savings cover TrackHSA - and the rest is the client's.
A simple illustration:
$300,000 in new payroll contributions × 7.65% ≈ $22,950 saved
Enough for TrackHSA to pay for itself. Every dollar of savings above that goes straight to the employer's bottom line.
Illustrative example only. Applies to pre-tax contributions made through a Section 125 cafeteria (payroll) plan; employer FICA savings are approximately 7.65% up to the Social Security wage base and 1.45% above it. This is not tax advice - your clients should consult their tax advisor for their specific plan.
Your channel, your revenue, your relationship
We built TrackHSA to reach employers through the advisors they already trust. You make the introduction; the upside is yours.
Recurring revenue
Earn ongoing commission on every account you place - a residual that grows with your book. We'll walk you through the numbers when we talk.
We do the heavy lifting
We demo to your clients, onboard their employees, and provide support. You bring the relationship; we run the program.
You own the relationship
TrackHSA is a value-add behind your trusted advice - never a competitor. It makes you stickier with the clients you already serve.
HSAs are misunderstood
Most employees aren't getting the full value from their HSA. They never reimburse themselves, lose their receipts, and leave the HSA's biggest advantage - tax-free growth on documented, reimbursable purchases - on the table. When the IRS asks for records, they have nothing.
TrackHSA turns the HSA your clients already fund into a benefit you can bring them - one their people understand and leverage.
More than half of HR teams - 58.5% - regularly field employee questions about their spending accounts
Education that drives engagement
A built-in HSA learning library
Most employees never learn how powerful an HSA really is. TrackHSA's Learn center pairs the tool with a growing library of articles and videos - from the basics to advanced tax-free-growth strategies - so your clients' people don't just have an HSA, they understand it.
It's the difference between a benefit that sits idle and one employees actively engage with year after year.
Help employees grow their savings
The real HSA advantage is paying medical costs out of pocket, letting the balance grow tax-free, and reimbursing later. TrackHSA makes that strategy easy to follow - employees see exactly how much they've built up and can withdraw tax-free, whenever they choose.
Audit protection for their people
The IRS requires HSA records. Employees keep every receipt stored securely in the cloud and can generate an audit-ready report in a single click - protecting them, and reflecting well on the benefits you helped put in place.
How your clients' employees use TrackHSA
Four simple steps keep every HSA purchase documented across its whole lifecycle:
1. Spend
Log an HSA-eligible purchase in seconds.
2. Document
Snap and attach the receipt, stored securely.
3. Distribute
Reimburse on their timeline - or let it grow tax-free.
4. Report
Generate an audit-ready report anytime.
Add-ons you can bring to clients
Optional programs that deepen the engagement you deliver - and the value you add.
Targeted mail to drive onboarding
Printed welcome letters sent by US Mail, complete with a sign-in QR code - far higher open rates than one more email.
Place plan info at their fingertips
Contribution amounts, incentives, and plan documents surfaced inside the app - so employees stop emailing HR.
Incentives that drive engagement
Tie a client's HSA employer contributions to in-app actions - e.g. "$50 for a first purchase" or "$100 for completing courses" - a self-reinforcing loop.
Add TrackHSA to your book
A quick conversation about the partner program and how TrackHSA fits your clients. No obligation.
Become a partner