Employers Auto-Enroll 46% of HSA Workers in 2025 as High-Deductible Plans Spread
Updated
Updated · CNBC · Sep 5
Employers Auto-Enroll 46% of HSA Workers in 2025 as High-Deductible Plans Spread
1 articles · Updated · CNBC · Sep 5
Summary
46% of employers automatically enrolled workers in an HSA in 2025 if they joined a high-deductible health plan, up from 32% in 2019, according to Plan Sponsor Council of America data.
64% of employers now auto-enroll workers in 401(k) plans, and companies are applying that model to HSAs to remove opt-in friction and lift participation.
77% of employers contributed money to workers' HSAs in 2025, usually by seeding cash-like accounts; about a third gave $500 to $1,000 per employee, and roughly 10% used a matching formula.
31% of employers offering health benefits paired a high-deductible plan with an HSA in 2025, up from 4% in 2005, as companies seek lower premiums while workers face rising healthcare costs.