The vast value of HSAs

460 words | 2 minute read


You are losing out on valuable financial opportunity if you don’t have access to an HSA, as they are factually THE BEST (legal) financial product in the US
Your employer realizes this and has offered you an HSA via the Yuzu Plan

More details

We believe in empowering you to take control of their healthcare expenses and financial well-being. That's why we offer HSAs (”health savings accounts”) as part of our comprehensive health benefits. Here's why HSAs outshine even 401(k)s:

Triple tax advantages

HSAs are deemed “triple tax advantaged”, broken down below:
Pre-tax contributions: This lowers your taxable income and provides you immediate tax savings
Tax-free growth: You are not taxed on growth of funds and can invest or accrue interest tax free.
Tax-free withdrawals: Withdrawals for qualified medical expenses are tax-free, and there is no time limit on when you can withdrawal (you could pull money out in 40 years).

Social security tax advantage

Pre-Social Security tax contributions: HSA contributions are exempt from Social Security taxes (7.65% for employees). This provides an additional tax advantage not available with even 401(k) contributions

Flexibility and portability

No use-it-or-lose-it: Funds remain available even if you switch jobs or insurance plans
Independence and control: You decide how and when to use your HSA funds

Yuzu’s “Net $0 Deductible” plan

Your employer chose the Yuzu Plan, which has a deductible of $2,400 (this is the amount you pay out of pocket before the plan starts paying for benefits) and a max out of pocket of $3,600 (aka “MOOP”, the most you will spend on treatments covered by the plan on an annual basis)
The powerful part about the Yuzu Plan from a financial standpoint is most employers also agree to contribute to employees’ HSAs, effectively decreasing your deductible and potentially your MOOP, as exemplified below
For employers who contributes $200 per month ($2,400 per year) the Yuzu Plan is a “Net $0 Deductible” plan - you will pay only cost-sharing from $2,401 to $3,600 on an annual basis
For employers who contribute $300 per month ($3,600 per year) the Yuzu Plan is a “Net $0 MOOP” plan - you will not pay for any care on an annual basis

The bottom line

For most employers, who contribute $200 per month into employees’ HSA, any dollar you spend pre-deductible on an annual basis is effectively paid for by your employer’s HSA contribution
And on top of that, this is THE MOST tax-advantaged option for you - allowing you to reap all the above financial perks

Contact us

If you have any questions about any of your health benefits, please text or call us at ‪203-208-9898‬, or email us at We will respond to you ASAP, in most cases within minutes.