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Account-Based Health Plans

Most employers offer their employees healthcare options that include account-based plans—Health FSAs, HRAs or HSAs. According to the International Foundation of Employee Benefits (IFEBP) 2022 Employee Benefits Survey, nearly 70% of private employers and 56% of public employers offer employees one or more highdeductible health plan options paired with a Health Savings Account. Additionally, 10% of private employers and 15% of public employers offer health plans that include a Health Reimbursement Arrangement. More than 83% of employers also provided employees with the opportunity to set aside pre-tax dollars in a Health FSA for reimbursement of their eligible out-of-pocket expenses.

In this webinar, we will address many of the issues that arise when employers offer account-based plans, including:

  • Tax advantages of HRAs, HSAs and Health FSAs
  • How these account-based plans interact with the employer’s major medical plan and with one another
  • Eligibility and enrollment
  • Contribution limits
  • Reimbursement rules
  • Nondiscrimination rules
  • ERISA requirements
  • HIPAA portability, nondiscrimination and privacy rules

Attend & Earn 1.0 SHRM and HRCI Credit

Presented by the Brown & Brown Regulatory & Legislative Strategy Group.


DISCLAIMER: Brown & Brown, Inc. and all its affiliates, do not provide legal, regulatory or tax guidance, or advice. If legal advice counsel or representation is needed, the services of a legal professional should be sought. The information in this document is intended to provide a general overview of the topics and services contained herein. Brown & Brown, Inc. and all its affiliates, make no representation or warranty as to the accuracy or completeness of the document and undertakes no obligation to update or revise the document based upon new information or future changes.

Date & Time

May 18, 2023
11:00 am - 12:00 pm CDT