Brokers and advisers tell me they keep hearing the same question from their employer clients: “How can I get more employees to understand the benefits of health savings accounts (HSAs)?”

Based on experience, I recommend five best practices that can help employers achieve better participation rates, stronger HSA balances and higher employee satisfaction rates. Employers who stick to these guidelines see more than 90 percent of employees open an HSA with their high-deductible health plan compared with only 27 percent at companies that don’t.1

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