If you are offering an HSA-eligible high-deductible health plan, you are providing your employees with a way to save through tax-free HSA contributions that help employees pay for qualified medical expenses on a tax-free basis, while reducing your total healthcare program expenses.

The Comerica HealthReserve account for your employees' offers the following benefits:

	Affordable Health Insurance
		Employees pay less each month for high-deductible health insurance
	Triple Tax Advantages
		Pre-tax contributions to your employees' HSAs, tax-exempt interest and investment gains on their Comerica HealthReserve account2, and tax-free withdrawals from their HSA for qualified medical expenses1
	Unprecedented Employee Control
		Your employees are now in control of how their your healthcare dollars are used.
	Portable
		The Comerica HealthReserve is an account that your employees own and it remains in place regardless of where they work or what insurance company they are insured by
	Flexibility
		HSA contributions can be used to pay for a wide range of eligible medical expenses not typically covered by low deductible health insurance or other healthcare accounts
	Planning for the Future
		Contributions to a Comerica HealthReserve account can be directed toward long-term investment vehicles, such as mutual funds, to maximize the future value of your employees' health care dollars2

The Comerica HealthReserve for Employers is easy to manage and offers the following benefits:

		Easy online account setup
		Automated contributions through payroll deduction
		Online account management and employee roster management
		Simple HRA, FSA, and IRA online rollover capabilities
		Program and benefit summary reporting

¹ Allowed contributions to your Comerica HealthReserve account may be tax deductible for federal income tax purposes and on most state income tax returns. Please consult your personal tax advisor.
² NONDEPOSIT INVESTMENT PRODUCTS SUCH AS MUTUAL FUNDS ARE NOT INSURED BY THE FDIC; ARE NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, COMERICA BANK; AND ARE SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED.