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For groups of 51-99 employees
Most employees enrolled in a QHDHP are eligible to open a Health Savings Account (HSA), a type of savings account to pay qualified medical expenses. This HSA can be funded by a combination of employer and/or employee contributions – both contribution types are tax deductible.
Funding options are flexible too. Employers can allow employees to elect to deposit money into an HSA via payroll deduction. The HSA funds can be used to pay for immediate or future health care expenses such as deductible, copays and coinsurance, or medical expenses that aren't covered by the plan. The list of qualified medical expenses that can be paid with an HSA is determined by the IRS and can be found in IRS Publication 502.
Employees can also let their HSA dollars accumulate. These funds earns interest, tax free. When money is needed to pay medical expenses, the withdrawals are also tax free. Highlights:
- Lower premiums compared to many fully-insured medical plans.
- Employer contributions are exempt from federal and FICA taxes.
- Employees have the triple tax advantage:
- Contributions are made pre-tax
- Tax-free earnings and interest
- Payments for eligible expenses are not taxed.
- Deductible is reached through combined medical and prescription costs, not separate deductibles.
While employers are free to choose any HSA administrator, or not offer one at all, Capital offers a low-cost, fully-integrated Health Savings Account, administered by HealthEquity.
D = Deductible
D/20% = Deductible applies first, then 20% coinsurance
D/$ = Deductible applies first, then a copay
2025 plans
| Two-tier plans |
HRA option |
Deductibles1 |
Coinsurance |
Out-of-pocket max |
PCP |
Specialist |
Emergency room |
| QHDHP PPO 2000/0/02 |
No |
$2,000
|
0% |
$6,900 |
D |
D |
D/$250 |
| QHDHP PPO 2750/0/02 |
No |
$2,750
|
0% |
$6,900 |
D |
D |
D/$250 |
| QHDHP-E PPO 3400/0/03 |
No |
$3,400
|
0% |
$6,900 |
D |
D |
D/$250 |
| QHDHP PPO 3500/0/02 |
No |
$3,500
|
0% |
$6,900 |
D |
D |
D/$250 |
| QHDHP-E PPO 3500/20/03 |
No |
$3,500
|
20% |
$6,900 |
D/20% |
D/20% |
D/20% |
| QHDHP-E PPO 4000/0/03 |
No |
$4,000
|
0% |
$6,900 |
D |
D |
D/$250 |
| QHDHP PPO 4500/0/02 |
No |
$4,500
|
0% |
$6,900 |
D |
D |
D/$250 |
| QHDHP-E PPO 5000/0/03 |
No |
$5,000
|
0% |
$6,900 |
D |
D |
D/$250 |
| QHDHP PPO 5500/0/02 |
Yes |
$5,500
|
0% |
$6,900 |
D |
D |
D/$250 |
| QHDHP-E PPO 6900/0/03 |
No |
$6,900
|
0% |
$6,900 |
D |
D |
D |
| QHDHP-E PPO 7500/0/03 |
Yes |
$7,500
|
0% |
$7,500 |
D |
D |
D |
| Three-tier plans |
HRA option |
Deductibles1 |
Coinsurance |
Out-of-pocket max |
PCP |
Specialist |
Emergency room |
| QHDHP PPO Choice Select 2000/0/02 |
No |
C1 -$2,000
C2 - $4,000
|
C1 - 0%
C2 - 20%
|
$7,000 |
C1 - D
C2 - D/20%
|
C1 - D
C2 - D/20%
|
D/$250 |
| QHDHP PPO Choice Select 3500/0/02 |
No |
C1 -$3,500
C2 - $7,000
|
C1 - 0%
C2 - 20%
|
$7,500 |
C1 - D
C2 - D/20%
|
C1 - D
C2 - D/20%
|
D/$250 |
| QHDHP PPO Choice 2000/0/02 |
No |
C1 -$2,000
C2 - $4,000
|
C1 - 0%
C2 - 20%
|
$7,000 |
C1 - D
C2 - D/20%
|
C1 - D
C2 - D/20%
|
D/$250 |
| QHDHP PPO Choice 3500/0/02 |
No |
C1 -$3,500
C2 - $7,000
|
C1 - 0%
C2 - 20%
|
$7,500 |
C1 - D
C2 - D/20%
|
C1 - D
C2 - D/20%
|
D/$250 |
| QHDHP Performance PPO 2000/0/02 |
No |
PP -$2,000
PS - $4,000
|
PP - 0%
PS - 20%
|
$7,000 |
PP - D
PS - D/20%
|
PP - D
PS - D/20%
|
D/$250 |
| QHDHP Performance PPO 3500/0/02 |
No |
PP -$3,500
PS - $7,000
|
PP - 0%
PS - 20%
|
$7,500 |
PP - D
PS - D/20%
|
PP - D
PS - D/20%
|
D/$250 |
