Insights

A tax refund can feel like a chance to reset—a chance to catch up, invest in something meaningful, or simply breathe a little easier. While it’s tempting to spend it on something fun, like a vacation or a long-awaited splurge, what if you used it to make life a little easier down the road?

Even with insurance, cost is still one of the biggest barriers keeping employees from getting the care they need. In our January 2025 survey, nearly 80% of Paytient members said they would have postponed or skipped care without their Health Payment Account. In this blog, we unpack what that means for access, financial wellness, and how employers can better support a healthier, more engaged workforce.

For many employees, financial wellness isn’t just about saving for the future—it’s about navigating the financial burdens of today. With rising healthcare costs, more workers are tapping into their 401(k)s just to cover medical expenses, jeopardizing their long-term financial security. But new analysis reveals a promising trend: employers offering Health Payment Accounts (HPAs) are seeing a 6% reduction in 401(k) borrowing, signaling a shift toward greater financial resilience. Read on to discover how smarter healthcare payment solutions can protect both employee well-being and retirement savings.

When financial stress follows employees to work, productivity and engagement suffer. Learn how 50% of employees using Paytient report being more productive—and why smarter healthcare payment options are the key to a healthier, more focused workforce.

Millions of Americans struggle with unexpected out-of-pocket healthcare costs, leading to deferred care and financial stress—but a new feature in over 60M health plans is changing that. By integrating payment flexibility, payers are unlocking certainty of affordability, allowing members to transform medical expenses into manageable, interest-free payments—improving access, financial stability, and health outcomes.

Managing healthcare costs can feel like a financial tightrope walk. One unexpected bill can throw off your entire budget, and even with insurance, the out-of-pocket costs can pile up fast. That’s why having the right tools in place—like a Health Payment Account (HPA) and a Health Savings Account (HSA)—can make all the difference.