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.
— Towers Watson/National Business Group on Health, April 2014.
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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.
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.
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.
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
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.
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.
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.
See note 1.
Applies only to HRA and FSA.
Some plan options, products, and riders not available in all Kaiser Permanente areas.
Services covered under your health plan are provided and/or arranged by Kaiser Permanente health plans: Kaiser Foundation Health Plan, Inc., in Northern and Southern California and Hawaii • Kaiser Foundation Health Plan of Colorado • Kaiser Foundation Health Plan of Georgia, Inc., Nine Piedmont Center, 3495 Piedmont Road NE, Atlanta, GA 30305, 404-364-7000 • Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc., in Maryland, Virginia, and Washington, D.C., 2101 E. Jefferson St., Rockville, MD 20852 • Kaiser Foundation Health Plan of the Northwest, 500 NE Multnomah St., Suite 100, Portland, OR 97232 • Kaiser Foundation Health Plan of Washington or Kaiser Foundation Health Plan of Washington Options, Inc., 320 Westlake Ave. N, Suite 100, Seattle, WA 98109 • Self-insured plans are administered by Kaiser Permanente Insurance Company, One Kaiser Plaza, Oakland, CA 94612
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