For Business | Health Payment Account
Make healthcare more
affordable with HPAs.
We partnered with Paytient to offer a low-cost way to pay for care over time. HPAs alleviate the stress of medical bills with interest-free payment plans that break expenses, into smaller, manageable payments.
Request more informationCost-effective for you, budget-friendly for employees
A Health Payment Account (HPA) is a low-cost alternative for employers to help employees pay for healthcare. With HPAs, employees can get the care they need while staying flexible with their finances. HealthEquity members can even use tax-free HSA funds to repay payment plans for eligible expenses.
Why employers love it
When employers provide value-based benefits to employees, they may see:
- •Increased productivity
- •Higher employee satisfaction
- •Better employee retention
Why employees love it
HPAs give employees immediate access to funds, which can lead to:
- •Increased financial flexibility
- •Reduced financial stress
- •More opportunities to grow HSA balances
Download the HPA Case Study.
See how R.R. Donnelley improved healthcare accessibility with Health Payment Accounts for 13,000+ eligible employees.
Download case studyI can pick up medication and pay for doctor's visits without fear of what the total will be. It relieves a lot of stress when it comes to healthcare.
R.R. Donnelley employee
Employees can easily pay for care.
Here's how your employees can use their funds to pay for out-of-pocket costs.
Sign up for Paytient.
Employees create a Paytient account, instantly activating their virtual HPA card.1
Pay for care.
Employees can use their card to pay for eligible out-of-pocket healthcare expenses for the whole family, even their pets.2
Choose a budget-friendly repayment plan.
To repay, employees split their balance into easy-to-manage payments automatically deducted from future paychecks, bank accounts, or HSA funds.
Ready to make healthcare more affordable?
People also ask
Employer HPA Questions
How does an HPA work?
An HPA is an interest-free, no-fee alternative payment option to pay for out-of-pocket healthcare expenses over time without high interest costs. Employees sign up, get a virtual card, and can use it at healthcare providers. They then choose a budget-friendly repayment plan.
Who is eligible for an HPA?
All employees enrolled in an employer-sponsored health plan may be eligible for an HPA. Employers determine specific eligibility criteria based on their benefits design.
How does HPA repayment work?
Employees choose a repayment plan that works for their budget. Payments are automatically deducted from payroll in manageable installments with no interest or fees.
What if an employee leaves my company and owes a balance?
If an employee leaves the company with an outstanding balance, the remaining amount is handled according to the employer's policy. Employers are not responsible for unpaid balances.
Does a member have to fully pay off the HPA balance before starting a new plan to pay for a new expense?
No, members can have multiple active payment plans at the same time, making it easy to manage ongoing healthcare costs.
Where can my employees use an HPA?
Employees can use their HPA card at any healthcare provider that accepts Visa, including doctors, dentists, pharmacies, and more.
How much does this cost my employees?
HPAs are completely free for employees — no interest, no fees. The employer covers the cost of the benefit.
Can employees adjust their HPAs?
Yes, employees can adjust their repayment plans and manage their HPA through the Paytient app or online portal.
Can an HPA pay for previous medical bills?
Yes, employees can use their HPA to pay for eligible previous medical bills, subject to employer plan rules.
1 The HPA card is a line of credit that is subject to approval and works with providers in approved merchant categories. All charges made to the HPA card must be repaid according to the terms outlined in the cardholder agreement.
2 HPA funds can be used for veterinary expenses. Generally, HSA funds cannot be used for veterinary expenses. Please consult with a tax or legal professional to see if your HSA funds can be used for paying any HPA balance from veterinary expenses.
V.S.A. §2220a. THIS IS A LOAN SOLICITATION ONLY. HEALTHEQUITY PAYMENTS, LLC IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. (Added 2017, No. 22, § 25.)