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HRA, HSA and Gap Plan Comparison Guide

Benefits HRA HSA Gap Plan
(Premium Saver Specific)
Minimum Enrollment 2 1 2
HDHP Deductible
Minimums
No Minimum $1,350
(As of 2018)
No Minimum
Employee Contribution No Yes Yes
Debit Card Available Yes Yes No
Owner of the
Account /Plan
Employer Employee Employer
Contributions Employer Employee /Employer Employee /Employer
Benefit /Contribution
Amount
Dollar for Dollar Dollar for Dollar 4x – 5x contribution amount
Benefits HRA HSA Gap Plan
(Premium Saver Specific)
Contribution Limits None $3,650 – Single
$7,300 – Family
(As of 2022)
$9,500
You can use money in account before fully funded Yes Yes, only available balance Yes
Benefit Access Full balance available day 1 Available Balance Full balance available day 1
MM Plan Design HDHP Common Must use QHDHP HDHP Common
Tax Benefit Tax Deductible Tax Deductible
Grows Tax Free
Tax Deductible
Corporate Requirements/Limitation Coverage for Sole Proprietors, Partners and 2% or More S-Corp Owners (cannot be covered) Coverage for Sole Proprietors, Partners and 2% or More S-Corp Owners (Yes, but not eligible to participate in cafeteria plan used to fund HSA in the workplace) No Limitations if everyone on the Major Medical plan is on the Premium Saver Plan

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