Skip to main content
HelloFurther Learning Site

HSA Plan Options for Your Group

This page introduces the different HSA plans we offer.

Overview 

Your HSA plan determines the rate of interest you can accrue on your HSA balance and also any monthly participant fees you must pay for your account. Some employers will choose the HSA plan type for their group and will not let employees change to a different plan type. If you are not sure whether you can choose your own plan, check with your employer or benefits administrator.

Choosing a health savings account (HSA) is an important step in managing your employees' current and future health care expenses. This unique, tax-advantaged account gives your employees the flexibility, security and control necessary to meet changing health care needs. Choosing Further as your HSA administrator is equally important because with Further you get the benefit of our innovative account options, online management tools and industry expertise — topped off with no hidden banking fees.

Which will you choose?

PremiumSaver HSA
All-inclusive, high return option.

SelectSaver HSA
FDIC insured account with an investment option.

BasicSaver HSA
Value option with industry leading rate of return.

ThriftSaver HSA
Low fee account with an investment option.

FreeSaver HSA
Online only, no fee account option

HSA Plan Options

 

PremiumSaver SelectSaver* BasicSaver ThriftSaver FreeSaver

Participant Fees

$4.00/PAPM

$3.00/PAPM

$2.50/PAPM

$1.00/PAPM

$0.00/PAPM

Account Opening or Closing Fees

$0.00

$0.00

$0.00

$0.00

$0.00

Account Setup/Enrollment

Online & Paper enrollment

Online & Paper enrollment

Online & Paper enrollment

Online & Paper enrollment

Online Only

Debit Card

$0.00

$0.00

$0.00

$0.00

$0.00

Replacement Debit Card

$0.00

$0.00

$0.00

$0.00

$0.00

Contributions1

ACH or paper check

ACH or paper check

ACH or paper check

ACH or paper check

ACH Only

Over Contribution Fee

$0.00

$0.00

$0.00

$0.00

$0.00

Deposit Item Return Fee

$0.00

$0.00

$0.00

$0.00

$0.00

Withdrawals

ACH or paper check

ACH or paper check

ACH or paper check

ACH or paper check

ACH Only

Stop Payment Fee

$0.00

$0.00

$0.00

$0.00

$0.00

Tax Statements

Online and Paper

Online and Paper

Online and Paper

Online and Paper

Online Only

*The SelectSaver HSA is FDIC Insured

Contributions are made via ACH deposit. ACH are electronic payments made through the Automated Clearing House Networks used for financial transactions in the U.S.

 

Account Credit Rates2

As you compare HSA programs, be sure to ask how interest is calculated. Further keeps it simple so your employees earn the stated rate on the entire account balance. Some banks pay interest based on the balance and rate in each balance tier.

Base Balance

PremiumSaver

$4.00/month

SelectSaver

$3.00/month

BasicSaver

$2.50/month

ThriftSaver

$1.00/month

$0-$2,499 0.50% 0.05% 0.20% 0.10%;
$2,500-$9,999 0.75% 0.07% 0.25% 0.15%
$10,000-$14,999 1.00% 0.07% 0.35% 0.20%
$15,000-$24,999 1.15% 0.10% 0.45% 0.25%
$25,000 or greater 1.25% 0.10% 0.55% 0.35%


*The SelectSaver HSA is FDIC Insured

2 Interest rates and balance tiers are subject to change without notice.

Investment Account Options

The FreeSaver HSA plan type does not allow for investment options.

  • Was this article helpful?