Ventajas fiscales del plan HSA para las empresas

20 de junio de 2023

If you are in charge of creating the benefits packages for your employees, you don't want to overlook a Health Savings Account (HSA). With an HSA, you can take advantage of several tax benefits that will set both you and your team up for success.

Estas cuentas funcionan esencialmente como cuentas de ahorro personales. Los empleados pueden hacer aportaciones libres de impuestos a su cuenta y utilizar los fondos para pagar gastos médicos de su bolsillo, entre otros:

  • Tratamientos complementarios.
  • Tratamiento de la drogadicción.
  • Productos de higiene femenina.
  • Servicios de fertilidad.
  • Supervisión.
  • Prescripciones.
  • Atención oftalmológica y odontológica.
  • Medicamentos de venta libre.

Ventajas fiscales de las HSA para las empresas

Ventajas fiscales de las HSA para las empresas

While an HSA offers countless benefits for employees, you'll also get to experience tax savings and benefits as an employer. When you offer an HSA plan, you'll save money while experiencing peace of mind knowing you're helping your team members prepare for medical expenses and their future.

Estas son algunas de las ventajas de ofrecer una HSA:

Atraer y retener a los empleados

Most employees aren't just looking for a fulfilling career and great salary. Many are also interested in the benefits your company can provide them with — specifically healthcare. Applicants want to know that you value their health and wellness enough to make healthcare easily accessible and affordable.

By offering an HSA, you can increase the desirability of your workplace, helping your business attract more qualified applicants. With the right benefits, you'll also increase the chances of retaining top talent over time.

Ahorrar en primas

Another way HSAs can benefit your organization is by helping you save on health insurance premiums. By combining an HSA with a high-deductible health plan (HDHP), you'll provide your team with a healthcare plan without paying the much higher premiums and healthcare costs.

Reducir impuestos

By offering an HSA, you'll also cut down on the amount of taxes you pay. As an employer, you won't have to pay taxes on any pre-tax contributions. This includes Social Security, federal income tax and Medicare taxes. This is because the Internal Revenue Service (IRS) doesn't consider the contributions as wages.

Cómo crear una HSA para sus empleados

Interested in setting up an HSA so you can start experiencing the benefits? Getting started is simple. Here's how to set up an HSA for your employees:

  1. Determine if you're eligible to offer an HSA plan.
  2. Decida cuánto van a contribuir sus empleados.
  3. Elija su administrador de HSA.
  4. Establezca un plan de cafetería de la sección 125.
  5. Organizar y gestionar los documentos fiscales y las contribuciones.

Ver la Tarjeta Ahorro con la Diferencia

For over 20 years, The Difference Card has been providing cost-saving healthcare solutions. We've helped our clients save an average of 18% on their annual health insurance costs. With our health insurance solutions, you can also take advantage of benefits like wellness strategies and proprietary medical reimbursement systems.

Want to learn more about how we can help you see the difference? Contact us today to learn about The Difference Card's HSA offering.

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