Spending accounts are a great way to help your team save money on qualified medical expenses. And having your health plan and spending accounts in one place makes life easier — for everybody.
Let’s streamline your health care solutions. Integration means that your company can get personalized help with your health plan and spending accounts from one team.
Your team can also get a more streamlined health solution. Not only can they manage both their spending account and health plan in one place, but integration also makes paying claims easier.
Every health plan should be paired with a spending account. This chart will help you find the right spending account for your business.
Health Plan Type
Employee Premium / Deductible
Employee Out-of-Pocket Expense
Spending Account Pairing
Qualified High-Deductible Health Plan
Low / High
Health Savings Account + Limited Purpose Flexible Spending Account
High / Low
Flexible Spending Account and Health Reimbursement Arrangement
Traditional Health Plan with Higher Deductible
These spending accounts can be paired with any plan to help your employees pay for qualified transportation, child care, and even some adult care expenses.
To see how different spending accounts are used, check out this chart.
Pay for deductibles/coinsurance/copays
Pay for dental/vision/prescriptions
Pay for dependent care
Account owned by
Invest money for future expenses
You are required to have a Qualified High-Deductible Health Plan
Money is transferable if you change jobs/change plans/retire
Can reduce your taxable income
Debit card available
* Employers may choose to contribute. The IRS sets different limits on contributions to HSAs and FSAs.
We're happy to walk you through which spending account options are right for your company.
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All references to “Highmark” in this document are references to the Highmark company that is providing the member’s health benefits or health benefit administration and/or to one or more of its affiliated Blue companies.
This website is operated by Highmark, Inc. and is not the Health Insurance Marketplace website. It also does not display all Qualified Health Plans available through the Health Insurance Marketplace website. To see all available Qualified Health Plan options, go to the Health Insurance Marketplace website at HealthCare.gov.
Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal.
®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield Association: Western and Northeastern PA: Highmark Inc. d/b/a Highmark Blue Cross Blue Shield, Highmark Choice Company, Highmark Health Insurance Company, Highmark Coverage Advantage Inc., Highmark Benefits Group Inc., First Priority Health, First Priority Life or Highmark Senior Health Company. Central and Southeastern PA: Highmark Inc. d/b/a Highmark Blue Shield, Highmark Benefits Group Inc., Highmark Health Insurance Company, Highmark Choice Company or Highmark Senior Health Company.
PA: Your plan may not cover all your health care expenses. Read your plan materials carefully to determine which health care services are covered. For more information, call the number on the back of your member ID card or, if not a member, call 866-459-4418.
Delaware: Highmark BCBSD Inc. d/b/a Highmark Blue Cross Blue Shield.
West Virginia: Highmark West Virginia Inc. d/b/a Highmark Blue Cross Blue Shield, Highmark Health Insurance Company or Highmark Senior Solutions Company. Visit our website to view the Access Plan required by the Health Benefit Plan Network Access and Adequacy Act. You may also request a copy by contacting us at the number on the back of your ID card.
Western NY: Highmark Western and Northeastern New York Inc. d/b/a Highmark Blue Cross Blue Shield.
Northeastern NY: Highmark Western and Northeastern New York Inc. d/b/a Highmark Blue Shield.
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