Your Employees Keep More. Your Business Spends Less.

Most small businesses treat health insurance as a fixed cost. HSAs change that. By pairing a high-deductible plan with a Health Savings Account, employers can turn premium savings into real value; lower costs, tax-free employee savings, and funds that roll over year after year.

NARFA members have seen this work in practice. One 18-employee fuel company used its savings to fully fund every employee’s HSA.

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Health Savings Accounts

Maximum file size: 516MB

Triple Tax Advantage · Contributions pre-tax. Growth tax-free. Withdrawals tax-free.

Rolls Over Every Year

No use-it-or-lose-it. Funds accumulate indefinitely.

Follows the Employee

HSA funds are owned by the employee not the employer.

Works in Retirement

After 65 funds can be withdrawn for any purpose penalty-free.

How It Works

  • An HSA is a tax-advantaged savings account paired with a high-deductible health plan.
  • Employees contribute pre-tax dollars, funds grow tax-free, and withdrawals for qualified medical expenses are tax-free (a triple tax advantage).
  • For employers, pairing an HSA with NARFA group health coverage often lowers monthly premiums.
  • Many employers use part of those savings to fund employee HSAs, adding a visible benefit without increasing total costs.

Why NARFA Members Choose HSA Plans

Lower premiums with real upside

High deductible plans carry lower monthly premiums. When those savings go into an HSA, employees build a cushion for out-of-pocket costs. Healthy years mean growing balances.

A benefit that stands out

Employer HSA contributions are among the most appreciated benefits in any workforce. They are tangible, visible, and employees understand the value immediately.

No administrative burden

The NARFA Benefit Center manages enrollment, compliance, and employee education. You are not left explaining the mechanics of a triple tax advantage to your employees.

It grows with your employees

HSA funds roll over indefinitely and are fully portable. An employee who leaves takes their HSA with them. That is a benefit not a liability.

SUCCESS WITH NARFA 

“Making the switch to NARFA’s medical plan with Health Savings Accounts allowed us to help fund our employees’ deductible amounts, lower employee costs, maintain premium coverage, create employee savings accounts, and reduce overall company costs. We have 100% participation! It is one of the best moves that our company ever made.”

Carolyn Clark Manchester, President, Carolyn’s Transportation LLC

Want to know if an HSA plan is the right fit for your workforce?

Health Savings Accounts

Maximum file size: 516MB

 

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