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Kaiser Permanente Health Payment Accounts
Two people looking at a clipboard and working on a projectTwo people looking at a clipboard and working on a projectTwo people looking at a clipboard and working on a project

Flexible solutions to fit your business

With our consumer-directed health care (CDHC) options — our health plans paired with one of our Kaiser Permanente Health Payment Accounts — you’ll get what you’re looking for. It’s a solution with advantages for your employees and your business.

Customized solutions for more affordable care

No matter which deductible health plan and Health Payment Account you choose to pair together, you and your employees will get a wealth of features and benefits that’ll help you get the most out of your health care offerings.

Choose from 3 types of Kaiser Permanente Health Payment Accounts:

Health reimbursement arrangement (HRA)

Employees have the option of using employer-contributed funds to pay for qualified medical expenses on a tax-free basis.1 Several HRA types are available, ranging from comprehensive to more limited coverage.

Health savings account (HSA)

Employees own their HSA, which can be used to pay for qualified medical expenses.2 The money employees contribute to this account through payroll withholdings isn’t considered part of their wages, so they won’t be taxed on it.3

Flexible spending account (FSA)

Employees make pretax contributions they can use to pay for a wide range of qualified medical expenses — including doctor visits, prescription drugs, and lab tests — or dependent care expenses such as child care.4

Easy administration

With our enhanced administrative capabilities, you can spend less time managing your employees’ health care expenses and more time moving your business forward. And you and your employees can get the administrative support you need from our dedicated Health Payment Services team, from setup to day-to-day management.

You get:

  • Flexible account options
  • Integrated enrollment and eligibility management
  • A convenient portal for administration
  • Automated reports and notifications on balances, reimbursements, and more
  • Live phone and email support

Your employees get:

  • A convenient method of payment or reimbursement, including a health payment card that can be used to pay qualified expenses anywhere Visa debit cards are accepted, that automatically deducts qualified expenses from their account (available with HSA, FSA, and certain HRA types)
  • The ability to access and manage their personal health information and Health Payment Account via kp.org
  • Live phone and email support
  • A mobile app to track expenses, file claims, and manage their account

Find the right plan for your business 877-305-7933

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Footnotes:

  • 1Refer to IRS Publication 502 for a list of qualified medical and dental expenses. Refer to IRS Publication 503 for a list of qualified child and dependent care expenses.

  • 2See note 1.

  • 3The tax references in this website relate to federal income tax only. Federal and state tax laws and regulations are subject to change. Consult with a qualified professional for tax, investment, or legal advice.

  • 4See note 1.
    Some plan options, products, and riders not available in all Kaiser Permanente areas.