The HSA Authority

Access ID: 

Help  |  Demo

Access ID: 

Help | Demo

You need solutions. We have answers.

In the changing world of health insurance, you need solutions that help you retain employees while also cutting your costs. To understand what’s right for your business, you need a partner who will listen to your questions and respond with innovative solutions designed just for you. At The HSA Authority, we help our clients understand their options and support them in the long run. We’re dedicated to giving you everything you need, including: 

  • No set-up, enrollment, or monthly account maintenance fees
  • A dedicated HSA service team
  • Customized educational materials to help your employees understand how to make the most of their HSA
  • Fast and easy online account opening

We work with hundreds of employers and nearly 63,000 individual HSA accounts.  As The HSA Authority, we partner with insurance professionals across the U.S. and are not tied to one insurance company or third-party benefits administrator.

To learn more about making us your HSA partner, talk to your insurance agent or contact:

Ruste Pontenberg
1.888.472.8697 option 2

Ruste and the HSA Sales Team specialize in new business development and health insurance relationships.

HDHP/HSA Benefits for Businesses (PDF)


With the rising costs of health care and the complexity of the insurance market, you have a difficult job.  Let us make it a little easier.  Let us know how we can help you and provide you with educational tools and materials for your employees, like The HSA Authority Newsletter, available for Employers and Employees!

HSA Fall 2013 Newsletter (PDF)

Employee Newsletter Spring 2013 (PDF)

Employee Newsletter Fall 2012 (PDF)

 HSA Portal Demo (PDF)

We know HSAs and have the answers you are looking for.  


Our current deductible is $500 (individual). How high do we need to go to benefit from an HSA program? Answer...

The higher your deductible, the more money you will save on your premiums. Ask for quotes on individual deductibles of $1,500, $2,000 and $2,600. Many employers use the premium savings from the higher deductible plan to make HSA contributions to employees’ accounts. Employees should be encouraged to also use any premium savings under the new plan to help fund the HSA. The higher deductible plan works best when both the employer and employee contribute to the HSA.


How are other employers designing their HSA programs? Answer...

Typically, they fund 50 percent or more of the new deductible. Some employers choose to fully fund the new deductible.


Q. How do I move to a healthcare program that includes HSAs? Answer...

1. Contact your insurance agent or carrier to quote an HSA-qualified high deductible health plan. (Consider a second quote.)

2. Contact Tower Bank to formulate a plan to educate and enroll your employees.


What do I do if I have a new hire? Answer...

All you need to do is provide your new hire with an Enrollment Packet and provide him or her with your Employer Code number. The participant can then visit our online HSA Enrollment Site to open his/her account.


What if someone’s employment is terminated or requires a status change? Answer...

Termination: If utilizing eProcess for deposits, simply remove the terminated employee from the deposit list.

Status Change: You do not need to notify Tower of an employee’s status change, but you may need to adjust their contribution amount on your payroll system to avoid overfunding (for example – an employee changing from family to single coverage).


Where do I send forms, checks and other communications? Answer...

The HSA Authority
ATTN: Processing Center
P.O. Box 11454
Fort Wayne, IN 46858-5800


Whom do I call with questions about the forms and processes mentioned above? Answer...

Toll-free 1.888.472.8697 ext. 1

 HSA Pressure





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