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Health Savings Accounts are also advantageous for the employers. The benefits of choosing a health Savings Account over a traditional health insurance plan can directly affect the bottom line of an employer ' s benefit budget. For instance Health Savings Accounts are dependent on a high deductible insurance policy, which lowers the premiums of the employee ' s plan. Also all contributions to the Health Savings Account are pre - tax, thus lowering the gross payroll and reducing the amount of taxes the employer must pay.