Paytient Blog

Why Payment Design is the Key to Affordable Healthcare
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New Analysis Shows HPAs Help Employees Improve Financial Resilience
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.

50% of Employees Say This Benefit Makes Them More Productive—Here’s Why
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.

60M Americans’ Health Plans Come with a New Affordability Feature in 2025
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.

Why Using an HPA + HSA is Smart Personal Finance
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.

The Economics of Affordability: How Liquidity Shifts Healthcare Demand
When it comes to healthcare, affordability isn’t just a buzzword—it determines access, outcomes, and equity. The economic principles governing healthcare demand are straightforward: as costs decrease or become manageable, more people can access and afford the care they need. When they are high, rising, or uncertain, too often, healthcare doesn’t happen. Unfortunately, Out-of-pocket costs often present insurmountable barriers for patients.