As HSAs continue to grow in popularity, more and more employers are considering this option for their employees.
[See also: IRS announces new HSA limits for 2012]
But, while employees may see the benefits to the company for moving to an HSA-qualified plan – a lower price point, the flexibility to adjust HSA contributions in future years, and the potential for better utilization and reduced claims – many business owners worry workers won't see the value in a plan where they're responsible for most of their up-front expenses. And, as we all know, perception is reality: if employees don't think they have a good benefits plan, they don't, regardless of what the employer is paying.
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