Health Savings & Spending B2B

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Homepage For Businesses and Brokers Employee Benefits HSA B2B

Health Savings

People across the country

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What's the MetLife Difference?

Flexible plan options to help employers offer benefits that meet individual employee needs.
Integrated and consolidated account management across all MetLife’s benefit offerings.
Robust investment capabilities, including self-directed brokerage via Charles Schwab, ability to utilize a variety of platforms, or match employer 401(k) investment lineup¹.
Educational resources and tools to help reduce human resources workload.

Product Offerings

Health Savings Account (HSA)

With MetLife, employers can offer a triple tax-advantaged way to save on healthcare expenses, both today and in the future.²

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Flexible Spending Account (FSA)

Help your employees to

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Dependent Care FSA (DC-FSA)

As more and more employees

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Limited Purpose FSA (LP-FSA)

Vision and dental expenses can quickly eat away at available funds, even with the help of an HSA.

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HealthReimbursement Arrangement

An employer-funded benefit that can help your employees cover certain out-of-pocket healthcare costs.

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Commuter Benefits

Transportation expenses continue

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Employees with high deductible health plans can leverage a tax-advantaged HSA to cover out-of-pocket expenses, all while accumulating tax-free earnings for the future.

industry average for high interest

An FSA will help your

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Dependent care costs can add up, but with a DC-FSA, your employees can use their pre-tax dollars on qualified expenses, making life a little easier.

Optimum customer experience thanks to consolidated account management across all of MetLife’s benefit offerings.
Customized employee educational resources and tools to help reduce an organization’s human resources department workload.

MetLifes Limited Purpose FSA

Customized educational resources

With a tax-advantaged HRA, you can offer an “employer-funded” health benefit with control over your level of contribution and the expenses for which funds may be used.

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MetLife Commuter Benefits help

Optimum customer experience thanks to consolidated account management across all of MetLife’s benefit offerings.
Customized employee educational resources and tools to help reduce an organization’s human resources department workload.

Savings That Add Up

Health Savings & Spending Accounts can help you save up to 30% on qualified expenses.⁵

^1. It is the employee who determines whether to invest funds, and the employee selects those investments from the platform made available through MetLife.

^2. An HSA is an account owned by the employee. Unlike the FSAs and Commuter Benefits, the employer does not sponsor the HSA. The employer does, however, sponsor a high deductible health plan and allows employees to make pre-tax salary reduction contributions to the HSA.

^3. MetLife Internal Analysis (last updated February 2022). Cash savings balances in an HSA earn interest through a funding agreement issued to the custodian bank, are not FDIC insured, and are subject to the financial strength and claims paying ability of Metropolitan Tower Life Insurance Company. The interest rate earned on the assets allocated to the funding agreement option are declared to the custodian and are guaranteed for at least 12 months from the date the interest rate is declared. There may be different interest rates applicable to different allocations depending upon when the allocation was made to the funding agreement option. The funding agreement option provides the investor with a stable rate of return over time. Metropolitan Tower Life Insurance Company may earn a spread from assets allocated to the funding agreement option available under HSAs.

^4. Includes a wide range of medical expenses as defined in Section 213(a) of the Internal Revenue Code.

^5. Savings are based on estimated Federal, State and Local tax rate of 30%. The amount participants can save in taxes will vary depending on various factors, such as the amount they set aside in the accounts, their annual earnings, whether or not they pay Social Security taxes, the number of exemptions and deductions they claim on their tax returns, their tax brackets and their state and local tax regulations. Participants should check with their own tax advisors for information on how their participation will affect their tax savings.

Health Savings

What's the MetLife Difference?