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Health Savings and Health Spending Accounts

Pair a medical plan with a HSA, HRA, or FSA to help your employees plan and save – and improve your bottom line.

We work to offer cost-savings for you without shifting costs to your employees.

A Consumer-Driven Health Plan (CDHP) can help keep costs manageable while providing plan value to employees. We offer the flexibility to combine a medical plan with either a Health Savings Account (HSA) or Health Reimbursement Account (HRA). A Flexible Spending Account (FSA) may also be paired, depending on the plan structure.

Learn more about savings and spending accounts

Health Savings Account (HSA)

Gives your employees ownership of a tax-exempt savings account they can use to contribute pre-tax dollars to pay for covered health care costs.1

Health Reimbursement Account (HRA)

Combines a health plan with an employer-funded HRA to help employees pay for covered health care costs.

Flexible Spending Accounts (FSAs)

3 cost-effective options to help your employees' meet their health care and dependent care needs.

Our integrated solutions are easy for you to implement, administer, and maintain, and are designed to motivate your employees to engage in healthy life choices. makes it easy for your employees to manage their health care spending and maximize the value of their plan benefits through:

  • An easy single sign-on, with real-time access to account and balance information
  • Shop and compare tools to help them choose quality care
  • Features to take control of their health care finances such as automatic payments, direct deposit, online reimbursement requests
  • One phone number/point of contact for all account and medical transactions

Did you know?

Customers with a Cigna-administered integrated HSA plan take greater advantage of tools.

More reasons to partner with us:

Increased Engagement

24% more employees are registered for myCigna.com2

56% more customers log in to myCigna.com2

2.2x more employees complete a health assessment2

Cost Savings

6.2% lower Inpatient utilization3

8.7% lower average Inpatient cost per claim3

9.2% reduction in use of ER services3

Related Links

Read our white paper on CDHPs [PDF] Group Health Insurance Plans Cost Control Strategies

Save money with the right mix of benefits - at the right price.

Contact your broker or connect with a Cigna representative to discuss your organization’s unique needs.

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1 HSA contributions and earnings aren't subject to federal taxes and aren't subject to state taxes in most states. Contact a tax professional for information about your state.

2 2018 Cigna national book of business study of medical customers who have a Cigna-administered benefit with Integrated HSA Banking vs. those with an HSA-eligible Cigna benefit with carve-out HSA banking. Cohort is based on customers with 12 months of continuous Cigna plan experience January-December 2017. MyCigna registration is based on registration as of November 2018, MyCigna logons and views based on 2017 searches.

3 2019 Cigna internal HSA Integrated vs. Carved-out Study using 2018 Proclaim only data

Plans include exclusions and limitations and may not be available in all areas. For costs and details of coverage, contact a Cigna representative. Cigna products and services are provided by Cigna Health and Life Insurance Company (CHLIC) or its affiliates. Policy forms: OK - HP-APP-1 et al; OR - HP-POL38 02-13, TN - HP-POL43/HC-CER1V1 et al.

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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

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