Learning Center

Learning CenterWelcome to the Learning Center.  Here you will find a wealth of information about your tax-advantaged benefits, including FSAs, HSAs, HRAs, and COBRA. FSA HSA HRA COBRA

Forms Library

Forms LibraryWelcome to the Forms Library.  Here you will find the most commonly used forms associated with filing claims, requesting reimbursements, and enrolling in benefits. FSA HSA HRA

Captain Contributor Explains Planning for Expenses

” If your company offers an FSA or HSA, it’s a good idea to sign up for one. They can help you save on taxes while putting aside money for healthcare expenses. But the question always comes up – how much money do I need to set aside? Watch this video to learn more about planning … More >>

Captain Contributor – Your Benefits Super Hero

” Hello! I’m Captain Contributor.  I want to help you make the most of your employer-sponsored benefits and save money on your taxes! Captain Contributor​​ – Benefits Super HeroAn FSA, or Flexible Spending Account, is an employer-sponsored account that enables you to set aside money from each paycheck, before taxes, to help pay for IRS-approved, out-of-pocket medical … More >>

Tax Savings with Benefit Accounts

Captain Contributor Explains Tax Savings

” When considering an FSA, HSA, or HRA, you may be wondering – why should I sign up?  The answer is simple – saving money! Each account can save you money, but there are differences between them. Watch this video to learn more about tax savings! Captain Contributor​​ – Benefits Super Hero Captain Contributor Explains ICHRAs Captain … More >>

Captain Contributor Explains Preparing for Enrollment

“ When benefits meetings roll around each year, many people don’t fully understand their benefits package, and blindly make important healthcare choices. This year, challenge yourself to do a little preparation so you can make the best possible decisions for you and your family. Watch this video to learn more about enrolling in your benefits. Captain … More >>

Captain Contributor Explains HDHPs and HSAs

” Moving to a high deductible health plan (HDHP) can be scary, especially when looking at the amount of the deductible. The higher the deductible, the lower the monthly premium – that can really save you money in the long run, but what happens when you have healthcare expenses? Watch this video to learn more … More >>

Captain Contributor Explains Benefits Debit Cards

” No matter where you go – doctors’ offices, grocery stores, retail shops, and more – you can use a debit or credit card to pay for goods and services. But did you know you can also use a debit card that’s linked to your healthcare benefits accounts? Watch this video to learn more about … More >>

Healthcare consumerism

Healthcare Consumerism: What is it and How Does it Affect Healthcare?

Healthcare consumerism, a movement designed to refine the efficiency and affordability of healthcare services, is working to change how people prioritize their personal healthcare. Imagine a system where savvy patients use their knowledge to take a more active role in purchasing and utilizing healthcare services. Healthcare consumerism is getting closer to making this a reality. … More >>

Seven Facts about FSAs and HSAs

7 Facts About FSAs and HSAs That Employees Should Know During Open Enrollment

Open enrollment season for benefits is a time for making important decisions regarding healthcare expenses for you and your family. In addition to health insurance options, many companies sponsor tax-advantaged consumer directed healthcare accounts, like Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs). FSAs and HSAs are popular because they can help you save … More >>

HRAs and HSAs at the same time?

Can Employees Have HRAs and HSAs at the Same Time?

Healthcare spending accounts, such as Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs), help individuals and families pay for medical expenses. They also provide more control over how and where to pay for those expenses. Some employees have the opportunity to have both an HRA and an HSA, either through their own employer or … More >>

Consumer Directed Healthcare Account

Discovering the Value in Consumer Directed Healthcare Accounts

Consumer directed healthcare accounts not only help users save money due to their tax-advantaged status, but also give account holders more control over their healthcare dollars. This article and infographic provide an overview of HSAs, HRAs, and FSAs, along with other helpful information. What are Consumer Directed Healthcare Accounts? A consumer directed healthcare (CDH) account … More >>

Change of status

The Impact of a Mid-Year Change of Status on HSA Contribution Limits

Did you know that a change of status during the plan year affects the account holder’s annual Health Savings Account (HSA) contribution limit? The following provides an overview of regulations plus examples of how the changes to contribution limits are calculated. If you have an HSA, you are probably aware that you can change your … More >>

Limited-Purpose FSA

Understanding the Limited-Purpose FSA

You’re familiar with healthcare Flexible Spending Accounts (FSAs), with which you can set aside money from your paycheck pre-tax (before payroll taxes are calculated) to use in paying eligible medical expenses. You may not be as familiar, though, with the Limited-Purpose FSA (LPFSA). An LPFSA is an option made available by some employers in conjunction … More >>

Saving for Retirement

Saving for Retirement? Think HSAs, Too

Health Savings Accounts (HSAs) were created to make healthcare more affordable and expand freedom in personal healthcare decisions. They can also play a significant role in saving for retirement. Due to their multiple tax advantages, generous contribution options, and valuable investment opportunities, HSAs can be used to supplement retirement accounts. HSAs and Healthcare First and … More >>


Understanding the Differences: FSA vs HRA vs HSA

When it comes to FSA vs HRA vs HSA, can you tell the difference? Each has its own distinct purposes. Below is a quick overview, plus a helpful infographic that compares specific features of each type of account. When it comes to consumer driven healthcare (CDH), there are three popular tax-advantaged benefit accounts:  the Flexible … More >>

HSA Investing

How Does Your Tax-Free Garden Grow? HSA Investing Is One of the Ways

Did you know that HSA owners not only enjoy tax-free interest on their balances, but also tax-free returns from HSA investing? With interest rates at historic lows, consider investing your account funds to achieve substantial growth. Health Savings Accounts (HSAs) are tax-advantaged savings accounts that help people with a high deductible health plan pay for … More >>