It’s no surprise that health care costs are a top concern for many people. A Kaiser Family Foundation (KFF) study1 found that some insured adults have difficulty paying for routine health care and insurance costs. In fact, this same study found respondents putting off medical care or not taking medications as prescribed to save money.

Delaying important health care decisions or medications is obviously an undesirable, and potentially dangerous, situation. People with major medical coverage aren’t unaffected either. The study found individuals with employer-sponsored insurance, especially high deductible health plans, report having difficulty with care, insurance costs, and medical bills.

Managing Health Care Costs

One way to help your employees navigate these out-of-pocket expenses is by offering a Healthcare Flexible Spending Account (HCFSA) or a Health Savings Account (HSA). These accounts can help with many of the costly concerns documented in the KFF study. HCFSA- and HSA-eligible expenses include:

  • Deductibles – If the underlying service/item qualifies
  • Co-insurance amounts and co-payments - If the underlying service/item qualifies
  • Prescriptions – As long as they are primarily for medical care (not personal, general health, or cosmetic purposes), legally procured, and generally accepted as medicines and drugs
  • Medical bills – Many, but not necessarily all

See the list of eligible expenses >

Learn more about our reimbursement accounts on our website or check out these short, education videos:

Contact your American Fidelity account representative to determine which reimbursement account is the best fit for your medical offerings and your employees.


1Kaiser Family Foundation, “Data Note: Americans’ Challenges with Health Care Costs”, June 11, 2019.
Accessed July 5, 2019.