Employers expand HSA auto-enrollment using 401(k) retirement tactics, survey shows

The short version

• Nearly 46% of employers automatically enrolled workers in an HSA when they selected a high-deductible health plan in 2025, rising from 32% in 2019, according to Plan Sponsor Council of America data.[CNBC]
• PSCA data shows about 77% of employers contributed funds directly to employees' HSAs in 2025, while 10% of contributing employers offered matching contributions.[CNBC]
• Combined employer and employee HSA contributions are capped under IRS rules at $4,400 for individual coverage and $8,750 for family coverage in 2026.[CNBC]

Key facts

• In 2025, nearly 46% of employers automatically enrolled workers into an HSA if they selected a high-deductible health plan, up from 32% in 2019, according to the Plan Sponsor Council of America.[CNBC]
• Roughly 77% of employers provided an HSA contribution to employees in 2025, according to PSCA data.[CNBC]
• Among contributing employers, 10% matched employee HSA contributions and an additional 7.5% were considering a match, according to the PSCA.[CNBC]
• According to KFF, 31% of employers offering health benefits paired a high-deductible health plan with an HSA in 2025, compared to 4% in 2005.[CNBC]
• Annual total contribution caps for HSAs are set at $4,400 for self-only coverage and $8,750 for family coverage in 2026.[CNBC]

Sources

Outlet counts describe coverage, not independent confirmation. Reports may share a wire service or original source.

• With HSAs, employers are turning to the 401(k) playbookCNBC