Helping Your Team Understand the New HSA Rules

Part 4 of 4: A Practical Guide to Benefits Communication

In Part 3 of this series, we explored how the new HSA rules create strategic opportunities for employers and brokers. But strategy only works if people understand it. The most flexible benefits in the world will fall flat if employees do not know how to use them.

That is why communication is not just a final step. It is a foundational one.

The One Big Beautiful Bill has introduced important updates to Health Savings Accounts. These changes are good for employees, but they also bring new questions and added complexity. Your team needs more than a one-time announcement or a slide in your open enrollment deck. They need access, clarity, and trust.

Here is how to deliver that.

Why Traditional Communication Falls Short
For many organizations, benefits communication still relies on one or two emails during open enrollment. Others send out PDFs that go unread or bury critical information in an intranet that is hard to navigate.

That approach may check the box, but it does not support real understanding.

Employees are busy. They need answers in the moment, not once a year. When communication fails, people miss out on valuable benefits. That leads to confusion, frustration, and a lower return on your investment.

Three Pillars of Effective Benefits Communication
If you want employees to understand and use their benefits with confidence, focus on three essentials.

• Accessibility
  Your benefits information should be easy to find at any time. This means no logins, no portals, and no buried documents. A simple, public-facing website makes it easy for employees, dependents, and even candidates to find what they need.
• Clarity
  Skip the jargon. Use plain language, simple visuals, and real-world examples to explain how benefits work. For example, show how someone can use their HSA to pay for a Direct Primary Care membership or access telehealth before meeting a deductible.
• Consistency
  Communication should not happen once a year. It should happen year-round. When you provide regular updates, helpful reminders, and ongoing education, you build trust and make your team feel supported.

How SwellSpace Helps
A public-facing, branded benefits website is the most effective way to deliver on all three pillars. This is where SwellSpace comes in. We provide the tools to create a beautiful and accessible benefits hub that serves as your organization’s single source of truth. Setup is intuitive, does not require complex integrations, and can be managed without IT involvement.

Imagine an employee hearing about the new Direct Primary Care rules. Instead of searching online or waiting for a response from HR, they visit your company’s benefits website. There, they find a clear, easy-to-understand article that explains how it works, when it starts, and what it means for them.

This is how you build trust. You provide clear, timely answers in a place employees know they can return to.

Shape Your Benefits Story on Your Terms
The world of benefits is always changing. By investing in a modern communication platform, you are creating a long-term strategy that works. You are shaping your benefits story on your terms and giving your team the tools to make informed, confident decisions.

This concludes our series on the new HSA changes. We hope it has been a helpful guide as you navigate this evolving landscape.

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