Spending Accounts

Simpler spending accounts

Humana makes it easy for your clients to offer healthcare spending accounts. And members get easy access to their savings with a debit card.

Spending accounts help everyone save

Three spending accounts and a debit card help employees save and budget for healthcare expenses. Employers benefit from lower payroll taxes.

Health Savings Account (HSA)

When your clients combine an HSA with a qualified High-Deductible Health Plan, their employees have greater control over healthcare planning, saving, and spending.

  • Lower premiums than other plans
  • More control over expenses
  • Employers can make tax-free contributions to employees' HSAs, within IRS guidelines

Personal Care Account (PCA)

These accounts allow your clients to contribute to their employees’ healthcare expenses.

  • Humana manages the PCA and HumanaAccess® Visa® Debit Card
  • Not all the cash to support the PCA is due up front

Flexible Spending Account (FSA)

When your clients offer an FSA, their employees can set aside tax-free funds for healthcare and dependent care.

  • Decreases total payroll costs, so taxes are lower
  • Employers save with every dollar employees contribute

Humana Access Visa Debit Card

Your clients can give their employees direct access to their spending account funds. That means no reimbursements to process.

  • Employees can quickly and conveniently pay for healthcare expenses
  • Humana oversees the administration of the Humana*Access* Visa Debit Card

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