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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 what the employer is paying.

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