If you’re looking for:

Lowest premiums with comprehensive, national network coverage and the added advantage of being able to open a tax-saving HSA.

For employers who prefer a cutting edge approach to reducing healthcare costs, BlueSolutions combines lower premiums and higher deductibles with comprehensive benefits, and the ability to open integrated health savings accounts (HSAs), which feature many tax advantages. The keystone of any employer’s consumer-directed benefits strategy, BlueSolutions gives your employees the tools they need to be better informed healthcare consumers.

Highlights of a BlueSolutions plan:

  • Promotes better informed healthcare choices
  • Primas más bajas
  • Pair with a health savings account (HSA)
  • Up-front coverage for routine preventive care and recommended screenings and tests

Advantages of an HSA


  • Easy administration. We make setup simple.
  • Cost savings. Our HSA-eligible plans generally offer lower premiums.
  • Ahorros en impuestos. Both employer and employee HSA contributions can provide tax savings.
  • More engaged employees. Higher deductibles promote better informed healthcare choices.


  • Más poder adquisitivo. Since they’re using pre-tax dollars, their money goes farther.
  • Ahorros en impuestos. Contributions can lower income tax; interest earned is tax-free; and there is no tax when the money is used for qualified medical expenses.
  • Conveniencia. They can pay bills online, on their mobile app, or with debit cards and checks.
  • Mobile access. With the BlueSolutions Spending on the Go app, employees can view account balances, update profiles, and submit claims.

HSA employer tax savings example*

Employer with 30 employees each contributing $1,500 in pre-tax payroll deductions to their HSA annually.

Pre-tax contributions per employee:


Number of employees:


Total employee annual HSA contribution:


FICA Tax %:


Estimated annual employer tax savings:


*Este ejemplo tiene fines ilustrativos solamente y no representa el impacto impositivo real. FICA Tax % based on 2018 rate and subject to change.

Preventive drug savings with HSA-qualified plans

This HSA preventive drug option reduces out-of-pocket costs for members using certain preventive drugs.

How it works:

  • For drugs on the HSA Preventive Drug List, the deductible does not apply; the member only has a copay.
  • This benefit reduces the likelihood that your employees will skip important medications until their deductible is met.
Generic drug

Employee cost using standard HSA plan:


Employee cost using the HSA with preventive drug list:



Brand drug

Employee cost using standard HSA plan:


Employee cost using the HSA with preventive drug list:



The savings represent the difference between what a member pays for an average generic or brand name prescription using a traditional HSA compatible plan, where they pay the allowed amount up to their deductible, and what they would pay for the same prescriptions using the preventive drug list. This illustration is for informational purposes only and is not a guarantee of costs or benefits. Actual costs and benefits will vary. Fuente: BCBSRI Data, commercial pharmacy claims incurred 20 de abril17 – 20 de marzo18.

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