About HSAs & HRAs Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) have become popular tools to help control health plan costs, especially for employers. How They Help Control Costs These consumer-driven health plans, or CDHPs, have many advantages: Because they have higher deductibles, their premiums can be significantly lower than other plans. When coupled with an employer-sponsored savings or reimbursement account, CDHPs motivate employees to save their healthcare dollars. As they seek to preserve healthcare dollars, employees do two things: they learn more about the cost and quality of their care and they adopt healthier behaviors. These advantages can reduce and control health plan costs over the long-term. Right now, over 22 million people are covered under a CDHP. Please contact us to learn how HSAs and HRAs can impact the bottom line at your organization!