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)
Category
%
Poor
Medium
Good
Excellent
Engagement scenario
Preset
Custom (if chosen) — %
Results (per employee)
Avg base HSA contribution
$14,700
mix-weightedΔ contribution
after − beforeNet employer saving
$508
claims Δ - contr ΔHSA contribution Δ (employer)
$184
from contribution policyHealth-cost reduction
$324
employer shareTotal for workforce
$507,750
given company sizeNet 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).