Your benefits have people

Health Benefit Solutions makes personalized, employee-empowered solutions for organizations that demand real people with real passion who show up in an era of decreasing vendor accountability.

May 07, 2020

Health Benefit Solutions by Union Bank & Trust offers both HSA and FSA administration on one industry-leading platform. Health Benefit Solutions is a relationship-driven organization; quality service is our primary goal.

For more than 50 years, Union Bank & Trust has been operated by a long-time banking family, the Dunlaps. The family’s vision for growth led UBT to make a commitment to serving the community. UBT and its employees care about each other, their customers, and the communities they serve, and this has held true throughout the years. In 2005, the Health Benefit Solutions division was created to offer HSAs to employer groups. In the following years, enhancing services was a top priority, as well as offering more ways for employees to reap their benefits, like a robust investment fund lineup for the investment HSA* and offering additional account types to employers like FSAs and DCFSAs on one platform. Behind this great division is the industry’s largest and most comprehensive consumer healthcare funding platform that in 2019 allowed Health Benefit Solutions to:

Engage more than 20,000 employees. Support more than 350 employer groups. Process more than $50 million in healthcare transactions. 45 years of HSA/FSA combined experience.


Accounts and services from Health Benefit Solutions include:

  • Health savings accounts
  • Flexible spending accounts
  • Dependent care accounts
  • Limited purpose flexible spending accounts
  • Section 125 plan document creation
  • WRAP document creation
  • Non-discrimination testing

We do customer service the way it should be done: real people, with real answers, in real time. As a client of Health Benefit Solutions, you won’t have to make another phone call to an automated answering service. When our customers call, the phone is answered by a live health benefits expert. Health Benefit Solutions is committed to its customers, and our employer groups receive a dedicated relationship manager to assist with the day-to-day operations. This individual also assists with creating a high-quality, diverse education program to fully address those needs and empower employees to take a more active role in their healthcare finances. It’s all part of our relationship-driven approach.

Other unique features center around our industry-leading platform, including:

Benefits for employers

  • Built-in regulatory requirements
  • EDI file feeds
  • Census file upload
  • Dedicated relationship manager
  • HR payroll one-on-one training
  • HSA and FSA eligibility maintained after census
    is provided
  • Secure employer portal
  • Various employer reports available
  • One point of contact

Benefits for employees

  • Simple online registration
  • Stacked Visa® card
  • Transaction alerts
  • Built-in contribution limits
  • Restricted Merchant Category Codes code purchasing
  • IIAS Compliant
  • 24/7 web access, mobile app, and 1-800 number
  • Ability to invest HSA balances > $500*
  • Single sign-on for all benefits accounts


Health Benefit Solutions recognizes the importance in providing an attractive and affordable benefits package for your employees. That’s why we'll work with you to put together a simple, competitive proposal.

Contact us today for more details.

  • Business
  • Employee Benefits

*Investment products: Not FDIC Insured — No Bank Guarantee — May Lose Value.