Consumer-Directed Health Plans

With consumer-directed health plans from Blue Cross Blue Shield of Michigan, you and your employees can lower health care costs while saving money.

Our solution

Blue Cross offers three different types of consumer-directed health spending account options for your employees. They're called health savings accounts, health reimbursement accounts and flexible spending accounts. 

Each option can help employees pay for qualified expenses while saving money as they're funded pretax.

How these accounts compare


Funded by: Employer, employee or both

Owned by: Employee

Portable: Yes

Roll over: Yes

Funds investments: Yes

Debit card: Yes


Funded by: Employer

Owned by: Employer

Portable: No

Roll over: Optional

Funds investments: No

Debit card: Optional for prescription drugs


Funded by: Employer, employee or both

Owned by: Employer

Portable: No

Roll over: Optional

Funds investments: Yes

Debit card: Yes

Learn more about each of these by reading our Consumer-Directed Health Comparison Guide (PDF).

How they're administered

We offer HealthEquity® as our integrated plan administrator. This partnership offers a one-stop for all benefit, enrollment, eligibility, membership, claims, billing and spending account management needs.

Your employees will get:

  • A single login for easy account access
  • Co-branded debit cards
  • One bill from Blue Cross
  • Daily membership and claims feeds

HealthEquity is fully integrated with Blue Cross to provide streamline and hassle-free service.

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We'll help you determine if this solution is right for you.


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