Implementing an HSA-Eligible HDP as Part of your Benefits Package

Ryan McCullar is a Senior Health and Benefits Consultant with Mercer in Tennessee. Ryan develops and maintains strategy for his clients as it relates to their total rewards offerings with the goal of enabling them to attract and retain top talent.

Before joining Mercer, Ryan managed a book of business as a medical underwriter for which he developed strategic recommendations related to market competition, product development, and market pricing negotiations.

Ryan is also a County Chair member of Middle Tennessee’s Society for Human Resource Management and a member of the Middle Tennessee Employee Benefits Council.

• Can you share what a high-deductible plan is?
• What are the pros and cons of a high-deductible plan?
• Do you have a rule of thumb for the types of employers who might need to adopt a high-deductible plan?
• We know high deductible plans can get a bad stigma with employees. Can you share how employers can work to combat this stigma?

• Will you share with our listeners what an HSA is?
• Can you share some pros and cons of an HSA?
• Is an HSA the same as an HRA?
• In your experience, what is the typical employee response to HSA plans?