HSAs owe us

money!

Your time machine for tax savings is here.
‍
Get up to 10 years of missed savings for your company and your employees — and then keep on saving.

Get started for $O

Introducing

Cardless Cashback for HSAs.

A uniquely win-win financial benefit that captures up to 10 years of missed tax savings from HSAs — and then keeps those savings coming.

Employees get their full tax break
Employers unlock major payroll savings
Boost retention, utilization & cost optimization

A company with 1,000 HSA-eligible employees could recover

$1.3M+

in the 1st year.

Let's calculate your savings

$292

per-head
payroll savings

$1,099

cashback
for the employee

average annual savings based on median tax rates / US Bureau of Labor Statistics — your actual savings will vary depending on your organization's details

Why

employers

love us

Increase employee comp — without increasing costs.

US companies lose an estimated $4B+ per week due to employee financial stress / BrightPlan 2022

Effortless recurring savings

Recover payroll taxes on up to $4,300 per-head per year ($8,550 for employees with dependents).

Based on IRS max contribution limits for HSAs in 2025 / irs.gov

Stronger
retention

Show them you care with the most rewarding benefit of all.

73% of employees would switch to an employer who cares more about their financial wellbeing / PwC 2023 Employee Financial Wellness Survey

Cost
optimization

Increase HSA utilization while decreasing healthcare costs.

HDHP premiums are 15% cheaper on average / Kaiser Family Foundation 2023 Employer Health Benefits Survey

We make it easy to offer a benefit that every employee will want

No upfront costs

$0 to set up and no monthly fees ever

No new workflows

Pre-existing integrations with HSAs, payroll & HRIS

Year-round offering

Deployable & adoptable any time, not just open enrollment

Why we're

indi•spence•able

to employees

No upfront costs, no strings — just ¢a$h.

Get money you're owed

Your HSA owes you a tax break. Spence makes it easy to get your money back by your next payday.

Max out your benefits

Taxes and healthcare are complicated enough. Why not leave the rules & regs to us? We've got your (cash) back.

Hit undo on overpaying

As long as your HSA was open and you didn't use it to pay, we'll get you cashback — up to 10 years retroactively. Plus, we'll alert you when new cashback is available.

How Cardless Cashback works

A simple app experience

1

Sign up for a Spence account

It's as easy as it sounds

2

Confirm qualified expenses

We automatically show qualified expenses — just click to confirm

3

Kick back & wait for cashback!

Included automatically with your next paycheck

we're

Whatever your balance, no matter how underfunded your HSA is, we'll help you stop overpaying for healthcare.

We get you cashback for healthcare expenses — even ones you've already paid for. As long as your HSA was open and you didn’t use it to pay for care, we can get you cashback for up to 10 years of past expenses. And once you sign up, we'll keep the savings coming.

Say

hey

to Team Spence.

We're from the worlds of healthcare, finance, and technology.

Bruce Ettinger

Founder & CEO

Andy Sharma

Chief Technology Officer

Van Koo

VP, Marketing

Myers Dupuy

Head of Product

Karlie Jessop

Head of Sales

Roy Ramthun

Strategic HSA Advisor