Insights

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.

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.

When we think about innovation in healthcare, it’s easy to get caught in the traditional "iron triangle": access, cost, and quality. These three elements have long been considered fixed constraints—improve one, and you’re likely to diminish another. But what if there’s a way to disrupt these familiar dynamics? What if there’s a fourth dimension that, by pushing the triangle over time, can make care more accessible and affordable without sacrificing quality? Our CEO and founder, Brian Whorley, has written about this possibility, which is worth revisiting as benefit leaders emerge from open enrollment and turn their eyes toward 2026.