HSA & FSA Administration
How HSA & FSA Administration Is Priced
How HSA & FSA administration are priced: the pricing models you will meet, what drives the cost and the fees that are easy to miss.
How much HSA & FSA administration costs
Common pricing models: per participant, flat fee, per module or bundle, and custom quote. Too few vendors publish comparable list prices for us to give a price range; the models and cost drivers below explain what you will be quoted.
Pricing models explained
- Per participant. A monthly fee per enrolled participant for each account type, the most common model for FSA and HRA administration.
- Flat fee. Setup, annual renewal, plan document and testing fees charged per plan alongside participant fees, often with a monthly minimum.
- Per module or bundle. HSA, FSA, HRA, commuter and lifestyle accounts priced as a bundle, sometimes together with COBRA administration.
- Custom quote. Large employers and complex plan designs are quoted after scoping participants, account types and integrations.
What drives the price
- Number of participants in each account type
- Number of account types and plan designs
- Who pays HSA account fees, employer or employee
- Nondiscrimination testing and plan document services
- Payroll and benefits administration integrations
- Service model, from shared support to a dedicated team
Fees to ask about before you sign:
- Monthly minimum fees for small groups
- Card replacement, paper check and account closing fees
- HSA investment and maintenance fees paid by employees
- Run-out and terminated participant fees after year-end
- Conversion work when moving balances from a previous administrator
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Get exact HSA FSA administration quotes
Answer a few quick questions about your team and needs to see the products that fit, with their list prices; if a provider works with us, you can ask it for an exact quote.
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LeadChange may earn a fee when you request pricing through our site or follow a sponsored link. Rankings never depend on whether a vendor pays us.