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Employers may consider establishing on-site health clinics in order to help manage health care costs and encourage employee wellness. On-site health clinics can be designed to cover a wide array of health care services, such as first aid, treatment of work-related injuries or illnesses, preventive care or primary care.
Employers that offer high deductible health plans (HDHPs) that are compatible with health savings accounts (HSAs) should consider how access to an on-site health clinic may impact employees’ HSA eligibility. According to Internal Revenue Service (IRS) guidance, having access to an on-site health clinic that provides significant medical benefits for free or at a reduced cost may prevent employees from making HSA contributions.
Employers that want to establish an on-site health clinic while preserving HSA eligibility will need to make sure that the clinic’s services are provided in a way that is HSA-compatible. This may include, for example, limiting the clinic’s services to first aid, care for workplace illnesses or injuries, preventive care or other permitted coverage.
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