Click on each stage and consumer to learn more.
Some may feel anticipation and enthusiasm about finding a tool to better manage their heatlh care finances. Others may feel confused or intimidated.
What do employees want to know?
During the Decide stage, employees will have many questions, such as:
How does an HSA work?
How can it help me?
What are the benefits and risks?
What are the tax implicatons?
Employees may feel uncertain and anxious about their new account and the enrollment process while others may have little anxiety.
What do employees want to know?
During the enrollment period, employees may be wondering:
What do I do the first time I have a doctor's visit?
How do I use my debit card?
Who do I call with questions?
Account holders may feel confident and in control about setting aside funds. Others may feel overwhelmed or cynical about the account's intended benefits.
What do employees want to know?
As they use the account, employees will want to know more about how it works:
I paid out of pocket. What do I do now?
How can I make a rollover contribution?
What medical costs are qualified expenses?
Confidence and empowerment will be experienced by some employees. A sense of burden over how to properly use the account will be the experience for others.
What do employees want to know?
As they manage their accounts, they may wonder:
How much can I reimburse myself and for how long can I go back in time?
How does this get reported to the IRS?
What are some other plan options?
Do I need to save all my receipts?
Some users will confidently invest while others will be intimidated about what to do and anxious about making mistakes.
What do employees want to know?
Investors will want to know:
How can I use my HSA to improve my long-term financial health?
How much money will I need in retirement to pay for my health care?
Can I use my HSA dollars to pay for health care in retirement?