Consumer-directed health
Integrated health and wealth
Integrated health and wealth
Tax-advantaged savings today help build a healthy and wealthy tomorrow
Turn health savings into long-term gains
Discover the features and benefits of Empower Consumer-Directed Health.
One card handles it all
A single card for all accounts automatically directs payments based on plan rules — making it easier to manage and faster to use.
One unified web and mobile experience
View balance, transactions, investments, and claims through a unified web and fully transactional mobile experience.
Consumer-directed health benefits with real impact
Workplace offerings help individuals manage out-of-pocket health-related expenses now while building savings for the future.
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Health savings accounts (HSAs)
With tax-free contributions, growth, and withdrawals for qualified care, HSAs provide a powerful way to save on health expenses.
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Health reimbursement arrangements (HRAs)
With employer-funded, tax-free contributions and reimbursements, HRAs help cover individuals’ health expenses.
HSA triple-tax savings and investment flexibility
- Tax-free contributions: Funded with pretax payroll or tax-deductible dollars
- Tax-free growth: Interest, dividends, and investment gains that are tax free
- Tax-free withdrawals: When used for qualifying expenses
An HSA opens the door to long-term savings growth through investing.
Everyday benefits used often and valued even more
Tax-advantaged accounts give individuals financial support for expenses related to maintaining their sense of well-being, along with their health as well as dependent care.
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Lifestyle accounts (LSAs)
With employer-funded contributions, LSAs help support everyday well-being — from fitness to financial wellness.
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Flexible spending accounts (FSAs)
With pretax contributions and tax-free withdrawals for qualified expenses, FSAs help lower everyday health costs.
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Commuter benefits
Funded with pretax dollars, commuter benefits help save work-related transit and parking costs.
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COBRA administration
Our COBRA solution modernizes an often outdated area of benefits administration, removes administrative burden, and supports workers during a challenging time.
The new essentials in health and wealth
Explore our paper and find out why connecting health and wealth matters now.
