FOR EMPLOYERS & BENEFITS TEAMS

Increase HSA engagement without changing providers

Education and tools for the HSA you already offer - with almost no lift for HR.

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  • Improve financial outcomes
    Employees learn to grow their HSA - and reduce employer FICA taxes.
  • Educate and grow
    Access to hours of HSA education and videos, built in.
  • Launch in one email
    No IT project. No integration. No lift.

A win for everyone

You're already investing in an HSA program. TrackHSA delivers value on both sides of the table.

For Employees

  • Onboarding program for new HSA users
  • Track every HSA contribution, purchase, and distribution
  • Never lose a receipt - secure cloud storage
  • Maintain compliance with IRS recordkeeping
  • One-click, audit-ready reports
  • Wide library of articles and videos
  • Monthly content to grow, nudge, and engage
  • Build long-term, tax-free wealth

For Employers

  • Cut employer payroll taxes ~7.65% on new employee contributions
  • Cost savings - promote lower premium plans
  • Boost engagement and the utilization of benefits
  • Differentiate your package to recruit and retain
  • Reduce employee questions and confusion
  • Zero change to carriers, payroll, custodians, or platforms
  • Minimal HR admin - simple rollout, employee self-service
  • Extremely affordable - low cost per employee
THE MATH WORKS IN YOUR FAVOR

A benefit that can pay for itself

Pre-tax employee HSA contributions - and employer contributions - are exempt from payroll (FICA) tax. Help your people contribute more through payroll, and you keep about 7.65% of every new dollar - money you'd otherwise owe in payroll taxes.

Drive contributions up

TrackHSA's education and engagement move employees to enroll and contribute more through payroll.

You save ~7.65%

Every new pre-tax payroll dollar is exempt from employer FICA - an automatic payroll-tax savings, at no cost to you.

It pays for itself

Past a threshold of incremental contributions, the FICA savings cover TrackHSA - and the rest is yours.

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 your 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 - consult your tax advisor for your specific plan.

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 you already fund into a benefit your people understand and leverage.

Only 10% of all HSA accounts held invested assets at the end of 2025

— Devenir Research

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 people don't just have an HSA, they understand it.

It's the difference between a benefit that sits idle and one your employees actively engage with year after year.

TrackHSA Learn library of popular HSA articles and videos
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.

Lifecycle of an HSA purchase - spend, document, grow, reimburse
Audit protection for your 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 provide.

TrackHSA audit-readiness view of documented HSA purchases

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How 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.

Partner to go further

Optional add-ons that drive onboarding, adoption, and engagement.

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 your HSA employer contributions to in-app actions - e.g. "$50 for a first purchase" or "$100 for completing courses" - a self-reinforcing loop.

See it with your own benefits program in mind

A quick walkthrough of how TrackHSA can boost engagement with the HSA you already offer. No obligation.

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