Health Savings

People across the country

What's the MetLife Difference?

MetLife offers a range of tax-advantaged health savings & spending accounts that make it easier for employees to handle growing expenses while your business enjoys payroll tax savings. 

Benefits for employers:

  • Ability to bundle benefit programs across the MetLife suite of products to simplify vendor management 
  • Competitive pricing with no hidden costs or account minimums and no fees for setup or renewal 
  • Single point of contact for proactive account management across all MetLife’s benefits
  • No-cost claims integrations and processing advantages with MetLife Dental and Vision
  • Employer level analytics to measure program effectiveness and support data-driven decisions, including personalized benchmark comparisons to other programs like yours
  • Integration with virtually all benefits administration systems and Payroll companies for ease of data connectivity 

Benefits for employees:

  • Streamlined online experience with one website for employees to access all their benefits at MetLife
  • Customizable educational resources and interactive planning tools that help drive informed decisions and financial wellness
  • Easy payments with our debit card – a single, smart card with mobile wallet abilities that employees can use with all their MetLife savings & spending accounts 
  • Convenient access to our U.S.-based call center, secure website with AI-driven chat functionality, and mobile app, to help employees get the information they need

Product Offerings

Health Savings Account (HSA)


Flexible Spending Account (FSA)

Help your employees to

Dependent Care FSA (DC-FSA)

As more and more employees

Limited Purpose FSA (LP-FSA)


Commuter Benefits

Transportation expenses continue

HealthReimbursement Arrangement

An employer-funded benefit that can help your employees cover certain out-of-pocket healthcare costs.

Lifestyle Spending Accounts (LSA)


Employees with high-deductible health plans can leverage a tax-advantaged HSA to cover out-of-pocket health expenses, all while accumulating tax-free earnings for the future.

industry average for high interest

An FSA will help your


Dependent costs can add up, but with a DC-FSA, your employees can use their pre-tax dollars to pay for qualified expenses, making life a little easier.

  • Simple & convenient claims entry, including scheduled recurring claims payments and smart debit card
  • Automatic payroll deduction for elected DC-FSA contribution amount
  • Easy access to our U.S.-based call center, secure website with AI-driven chat functionality, and mobile app, to help employees get the information they need

MetLifes Limited Purpose FSA

Customized educational resources

MetLife Commuter Benefits help

  • Commuter Benefits available in all 50 states, more than 350 metropolitan areas and 660 transit authorities
  • A convenient debit card makes it easy – there’s no cash upfront, no claim forms to fill out, and no waiting for reimbursement 


With a tax-advantaged HRA, you can offer an employer-funded health benefit, with control over your level of contribution and the expenses for which funds may be used.

Employers areentitled taxdeduction

An LSA5 provides your employees with money to use for lifestyle-related expenses, allowing them to save money and improve their overall well-being.

  • Wide range of lifestyle accounts options to help you provide a unique benefit for employees
  • Flexibility to set the amount per year that employees can use for approved expenses 
  • Easy access to our U.S.-based call center, secure website with AI-driven chat functionality, and mobile app, to help employees get the information they need

Healthcare expenses can add up, help employees with health saving

87 %

of employees say Health Savings Accounts (HSAs) are a must-have or nice-to-have benefit6

85 %

say Flexible Savings Account are a must-have or nice-to-have benefit6

76 %

of employers are offering health savings and spending account Benefit Plans7

Savings Spending Accounts Work

A suite of savings and spending solutions designed with your individual business needs in mind.

Information for Employees

Get the information you need as an employee to find the right option for you and your family.

Savings That Add Up

Health Savings & Spending Accounts can help you save up to 30% on qualified expenses.8

1. An HSA is an account owned by the employee. Unlike the FSAs and Commuter Benefits, the employer does not sponsor the HSA. The employer does, however, sponsor a high deductible health plan and allows employees to make pre-tax salary reduction contributions to the HSA.

2. MetLife Internal Analysis (last updated October 2023).Cash savings balances in an HSA earn interest through a funding agreement issued to the custodian bank, are not FDIC insured, and are subject to the financial strength and claims-paying ability of Metropolitan Tower Life Insurance Company. The interest rate earned on the assets allocated to the funding agreement option are declared to the custodian and are guaranteed for at least 12 months from the date the interest rate is declared. There may be different interest rates applicable to different allocations depending upon when the allocation was made to the funding agreement option. The funding agreement option provides the investor with a stable rate of return over time. Metropolitan Tower Life Insurance Company may earn a spread from assets allocated to the funding agreement option available under HSAs.

3. It is the employee who determines whether to invest funds, and the employee selects those investments from the platform made available through MetLife.

4. Includes a wide range of medical expenses as defined in Section 213(a) of the Internal Revenue Code.

5. The MetLife LSA must be sold in conjunction with the HSA

6. MetLife EBTS 2022

7. MetLife EBTS 2019

8. Savings are based on estimated Federal, State and Local tax rate of 30%. The amount participants can save in taxes will vary depending on various factors, such as the amount they set aside in the accounts, their annual earnings, whether or not they pay Social Security taxes, the number of exemptions and deductions they claim on their tax returns, their tax brackets and their state and local tax regulations. Participants should check with their own tax advisors for information on how their participation will affect their tax savings.