White Paper – Closing the HSA/CIP gap: a guide for employers

Is your HSA benefit delivering everything it should?

Health Savings Accounts (HSAs) are one of the most powerful tools employers offer supporting healthcare spending, long-term savings, and retirement planning. But for many employees, that value never fully materializes.

Why?
Because accounts often stall during the Customer Identification Program (CIP), a required identity verification step that prevents funds from being used if not completed.

Practical strategies to close the HSA/CIP gap

This white paper reveals how CIP breakdowns impact both employees and employers—and what you can do to fix them.

What You’ll Learn

Why HSA accounts fail to fully open—and how often it happens
The real impact of stalled accounts on employee finances and care decisions
Common causes of CIP failure (and how to prevent them)
How to improve completion rates with better communication and real-time support
The role of AI in accelerating identity verification and reducing friction

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Employee Benefit News (EBN) is the primary media resource for decision makers in the worlds of employee benefits, human resources and workplace culture. As the dynamics of these spaces continue to shift and become increasingly complex, EBN delivers expert insights to allow business leaders to navigate their industries with agility. From helping benefits managers meet the challenges of reducing care costs and improving retirement plans to providing HR leaders with guidance on building a talented and diverse workforce, EBN drives the conversation and delivers the research and analysis to help readers support their companies’ objectives.

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