Can employers provide different contribution amounts to different employees in an HSA?

Employers can provide different contribution amounts to different employees; however, contributions made outside of a Section 125 Cafeteria Plan are subject to comparability, which severely limits the employers' flexibility with contributions. If the contributions are made inside the Section 125 plan, they are subject to non-discrimination rules, but are allowed much more flexibility, such as allowing employer matching contributions. Before undertaking any contribution strategy based on medical outcomes, we highly recommend that the employer consult a qualified benefits attorney.

Introducing UMB HSA Saver

UMB HSA Saver is a unique investment platform designed with ease in mind. Account holders can easily research, buy and sell funds with a couple clicks.

How to Use ReceiptVault

HSAs are available to help pay for current qualified medical expenses as well as to save for future expenses, all in a tax-exempt account.

Take the guesswork out of HSA Administration

The UMB HSA empowers you with robust analytics, reporting tools and the communication support you'd expect from a top 10 HSA custodian