Many employers are concerned workers won’t see the value in an HSA plan where workers are responsible for most of the upfront expenses. To convince employees that an HSA is a good solution, they need to understand how it is better than other plans. An HSA is more flexible than a flexible spending account and doesn’t have a use-it-or-lose-it rule. As long as funds are spent on qualified medical expenses, account holders never pay taxes on the money. HSAs can have a lower price point than a PPO plan, allowing an employer to put some money into their employees’ HSA accounts. Payments for routine expenses apply toward the plan’s deductible and out-of-pocket maximum. Premiums could be higher in 2014, leaving less disposable income to set aside for medical expenses.