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Consumer-Directed Health Care

Flexible solutions to fit your business

With our consumer-directed health care (CDHC) options — deductible plans paired with one of our health payment accounts — you get what you’re looking for. It’s a solution with advantages for your employees and your business.

The fastest growing form of health care coverage in the U.S.

Chart indicating that 75% of employers offered a CDHC plan in 2014 and 9% of employers expect to add one in 2015.

— Towers Watson/National Business Group on Health, April 2014.

Customized solutions for more affordable care

No matter which deductible 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 strategy.

Choose from three types of health payment accounts administered through Kaiser Permanente:

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.

Flexible Savings Account (FSA)

Employees make pretax contributions to a savings account they can use to pay for a wide range of qualified medical expenses — including doctor visits, prescription drugs, lab tests — or dependent care expenses such as child care. 3


300,000+ Kaiser Permanente members are enrolled in a CDHC plan

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 preloaded debit cards that automatically deduct qualified expenses from their account (available for some accounts)
  • 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
  • the ability to submit HRA and FSA claims using cameras4

For more information


The tax references in this website are provided for informational purposes only. Consult with your financial or tax advisor or attorney for advice about federal and state income tax laws.

  • 1

    Refer 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.

  • 2

    See note 1.

  • 3

    See note 1.

  • 4

    Applies only to HRA and FSA.

Some plan options, products, and riders not available in all Kaiser Permanente areas.