Better Benefits. Together.
SimplyHRA has partnered with Saga Health, the first AI-powered all-in-one HSA platform, to give small-business teams a smarter way to save, invest, and stay covered.
Learn more about how Saga Health enables average savings of $1,500+ on taxes for incomes over $60,000.
Learn more about how Saga Health enables average savings of $1,500+ on taxes for incomes over $60,000.
ICHRA covers the premium. An HSA covers the rest.
SimplyHRA already helps small businesses give employees a tax-free budget to buy their own health plan. But premiums are only part of the picture — deductibles, prescriptions, and long-term care add up too. Pairing with Saga Health closes that gap, so your team gets both the coverage and the savings engine to handle real healthcare costs.
Meet Saga Health: The first AI-powered HSA platform
Saga Health set out to make health savings accounts work the way they should — not as a confusing side benefit, but as an all-in-one tool to help people become healthier and wealthier, for life. Their AI guidance turns a complicated account into clear, personal next steps.
Visit mysagahealth.com →
Visit mysagahealth.com →
For Employers: A benefit your team keeps
Contributing to employee HSAs is one of the most tax-efficient ways to support your team’s health. With SimplyHRA you can run it alongside your ICHRA, with one dashboard and one point of contact.
Tax-efficient contributions
Employer HSA contributions are generally exempt from payroll taxes — a dollar of HSA support can cost you less than a dollar of salary.
Recruiting & retention
Candidates increasingly compare benefits. An HSA contribution is a visible, portable perk that signals you invest in people for the long run.
Works with your ICHRA
Already on SimplyHRA? Add HSA contributions to your existing plan classes. See how ICHRA works →
HSA + ICHRA: How they fit together
An ICHRA reimburses your individual health insurance premiums. An HSA helps you cover out-of-pocket costs and build long-term savings. Used together, employees get premium support and a tax-advantaged way to handle deductibles and future care.
Read more about our partnership with Saga Health →
Read more about our partnership with Saga Health →
For Employees: Your account, your money, for life
An HSA isn’t use-it-or-lose-it. It’s a long-term health and wealth account you own. With Saga Health’s AI tools, it’s easy to make the most of every dollar.
Truly portable
Change jobs, go freelance, or retire? The account and every dollar in it stays with you. No forfeiting at year-end.
Invest and grow
Once you’re ready, invest your balance so it can compound tax-free. Many people treat their HSA as a stealth retirement-health fund.
AI-guided decisions
Saga Health’s platform helps you decide what to spend, save, and invest. You can also contact your SimplyHRA specialist for support any time you need.
2026 & 2027 Contribution Limits
The IRS limits for HSA contributions in 2026 and 2027. Limits change annually. We will confirm the current figures for your coverage while onboarding.
Coverage Type:
Annual Limit:
Catch-Up (Age 55+):
2026: Self-only High-Deductible Health Plan
$4,400
+$1,000
2026: Family High-Deductible Health Plan
$8,750
+$1,000
2027: Self-only High-Deductible Health Plan
$4,500
+$1,000
2027: Family High-Deductible Health Plan
$9,000
+$1,000
HSA Questions, Answered
These are the questions individuals typically ask when deciding whether an HSA is a fit for them.
Q. Can an employer contribute to an employee’s HSA?
Yes. Employers can contribute directly to employee HSAs, and those contributions are generally free of payroll tax for both sides. With SimplyHRA you can set contribution amounts by employee class.
Q. Can I have an HSA and an ICHRA at the same time?
Sometimes. An ICHRA that reimburses only insurance premiums can be structured to preserve HSA eligibility. A general-purpose ICHRA that also reimburses medical expenses usually disqualifies you from contributing to an HSA. We’ll review your specific setup during a consultation.
Q. What happens to my HSA if I leave my job?
It goes with you. An HSA is owned by the individual, so your balance, investments, and the account itself stay yours when you change jobs or retire.
Q. Can I invest the money in my HSA?
Yes. Once eligible, you can invest your HSA balance so it grows tax-free. Saga Health’s platform helps you decide how much to keep available for spending versus invest for the long term.
Q. What can I spend HSA funds on?
Qualified medical expenses, things like doctor visits, prescriptions, dental, and vision. After age 65 you can also withdraw for any reason, paying only ordinary income tax (no penalty).
Still have questions?
Can’t find the answer you’re looking for? Contact us! We're here to help.
Book your free HSA consultation
Tell us whether you’re setting up HSAs for a team or for yourself, and a SimplyHRA specialist will walk you through your options — no commitment, no jargon.
Happier employees with plans they love.
Easy to set up.
Tax-free employer contributions.