Not Offering HSAs? Your Credit Union is Missing a Chance to Grow | Ascensus 2018 by NAFCU Services published on 2018-01-09T15:42:29Z As the employment rate in the US continues to improve, more employers are being required to offer health benefits to attract and retain employees. For most of these employers, the Consumer-driven Health Plan (CDHP) is the most economical method to do so. For the CDHP option to be truly effective, a health savings account (HSA) provides a key tool for assisting with higher deductibles. By educating employers and their employees on the HSA, credit unions gain a distinct advantage in obtaining new members.