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Employee Health Savings Accounts (HSAs)
Benefits for Business Owners

Gain a measure of control over rising healthcare costs without sacrificing the quality of your employees’ health benefits. Combine your High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) from Sterling Savings Bank.

How can a Sterling Health Savings Account (HSA) benefit your business?
An HSA and HDHP can offer many benefits to your business including:

• Lower premiums – insurance premiums can be substantially lower, by up to 50% over traditional PPO and HMO policies
• Save you money - all or part of the savings from lower premiums can be used to fund employees HSAs
• Tax advantages - money contributed to employee HSAs can be deducted as an operating expense to your federal taxes (please consult your tax advisor)

What are the advantages of offering a Sterling Health Savings Account (HSA) to your employees?
An HSA will give your employees more control over their health-care expenses as well as provide them with:

• Tax savings (employees should consult their tax advisor)
• Reduced insurance premiums
• Balances that can be carried over year to year
• Earned interest
• Long-term savings

Questions?
For more information on Health Savings Accounts, please contact your local Sterling Savings Bank branch.