Guides and answers on HSAs, FSAs, and paying for wellness with pre-tax dollars.
What Section 125 nondiscrimination testing actually requires, who counts as an HCE or key employee, what failing means, and how to fix a failing test.
Hammock Team · 6 min read · June 23, 2026
When HSA comparability rules apply, what counts as comparable contributions, the 35% excise tax, and why most employers route through a cafeteria plan.
Hammock Team · 6 min read · June 20, 2026
What a Section 125 cafeteria plan is, why pre-tax benefit deductions legally require one, plan document rules, nondiscrimination testing, and common mistakes.
Hammock Team · 6 min read · June 18, 2026
Why brokers should differentiate renewals on the HSA/FSA line instead of the medical line, using enrollment data, a GLP-1 answer, and FICA math.
Hammock Team · 6 min read · June 17, 2026
HSA vs FSA from the employer perspective: eligibility, forfeitures vs FICA savings, uniform coverage risk, and a decision framework by workforce mix.
Hammock Team · 5 min read · June 16, 2026
Employer FICA savings from HSA contributions, with real math: 7.65% on every pre-tax dollar, modeled by headcount and participation, plus case-study results.
Hammock Team · 5 min read · June 13, 2026
Compare employer HSA contribution strategies for 2026 — flat seed, match, front-loading, and wellness-linked funding — with real math and compliance notes.
Hammock Team · 5 min read · June 11, 2026
The evaluation checklist brokers should run on HSA/FSA administrators in 2026: member experience, integrations, engagement data, red flags, and demo questions.
Hammock Team · 5 min read · June 10, 2026
What employers need to know to offer an HSA in 2026: HDHP requirements, FICA savings, contribution mechanics, administration, and the pitfalls to avoid.
Hammock Team · 6 min read · June 8, 2026
The best HSA-eligible wellness products in 2026 — from gym memberships to supplements to fitness tech. Save $1,000+ per year with your HSA.
Hammock Team · 4 min read · June 5, 2026