The Compliance Question
For most employers, the first question is about compliance, not savings.
When plans consider manufacturer-direct pricing, their first concern is usually not the savings, it is how the program interacts with ACA, ERISA, and HSA rules. That concern is well-founded, because changing how a benefit is funded can affect HSA eligibility and annual-limit requirements if not structured carefully.
The Key Principle
For HDHPs, HSA eligibility depends on when the benefit is available.
Get the timing right and HSA contributions stay protected.
How Andel works with your plan
A compliant approach for each common plan structure.
Reviewed by ERISA counsel
Built on well-established rules.
Each pathway has been reviewed by ERISA and benefits counsel and is designed around established ACA, ERISA, HSA, and HRA principles. The goal is practical: help plans access meaningful medication savings without relying on aggressive or novel compliance theories.
Compliance, simplified
ACA, ERISA & HSA aligned
Established compliant paths
Built around your plan