Dynamic HSA Contributions

Win under all engagement scenarios; If engagement is low, your HSA contributions are reduced; if engagement is high, healthcare savings offset the extra HSA contribution cost.

Plan assumptions

Single

Family

Healthcare premium ($)

HSA match ($)

Employee premium share (%)

Population mix (%)

Workforce size

Risk Categories — Differentials & Relative Risk

Contribution Differential (%)

Relative Risk (%)

Poor

Medium

Good

Excellent

The differentials are percentage point changes to employer HSA contribution assigned to employees by Risk Category, as reflected in Vitality Status. Positive values shift increase employer HSA contributions; negative values decrease them.

Base distribution (risk categories)

Engagement scenario

Preset

Custom (if chosen) — %

Results (per employee)

Avg base HSA contribution

$14,700

mix-weighted

Δ contribution

+1.3 ppt

after − before

Net employer saving

$508

claims Δ - contr Δ

HSA contribution Δ (employer)

$184

from contribution policy

Health-cost reduction

$324

employer share

Total for workforce

$507,750

given company size

Net Savings

Distributions

Risk Distribution post Engagement

Poor Medium Good Excellent

Risk relativities source article: Economic benefits of aligning employee health insurance contributions

Adjust plan assumptions, contribution differentials and engagement. Default risk relativities are based around the source article (risk ratios 1.10/1.00/0.90/0.80).

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