Funding

Most HSA funding comes from payroll contributions. How those contributions reach an Individual's HSA depends on who integrates with the organization's payroll system:

• Partner payroll integration. You integrate with payroll and fund each Individual through the Partner API.
• First Dollar payroll integration. First Dollar integrates with payroll and funds each Individual for you.

Individuals can also contribute from their own bank accounts. See Individually directed HSA contributions.

Partner payroll integration

When you integrate with the organization's payroll, call fundBenefitForIndividual for each contribution. The call credits the Individual's HSA with the specified amount and records the funding on the account's ledger.

mutation FundBenefitForIndividual($input: FundBenefitForIndividualInput!) {
    fundBenefitForIndividual(input: $input) {
        ... on FundBenefitForIndividualResult {
            benefitId
            individualId
            transactionId
        }
        ... on BadRequestError {
            message
            code
            retryable
        }
        ... on InternalServerError {
            message
            code
            retryable
        }
    }
}

When the call succeeds:

• The funds are available immediately for Card spend and Manual Claims.
• The response includes a transactionId. Save it to reverse the funding later. You can also look it up afterward in the Individual's transactions.
• First Dollar settles the funding with the funding source. Your settlement configuration controls how settlement runs.

First Dollar payroll integration

When First Dollar integrates with payroll, the employer uses First Dollar's Health Wallet Manager application to link its payroll provider and its business bank account. First Dollar then pulls HSA contributions from the employer's account and deposits them into each Individual's HSA.

Reversing a funding

To undo a funding issued in error, such as a wrong amount, the wrong Individual, or a duplicate, call reverseBenefitFundingForIndividual with the funding's transaction ID as fundingTransactionId. That is the transactionId from your original funding call, or the ID you look up in the Individual's transactions. HSA Benefits use the same request and response as every other Benefit type. See Reversing a funding for the full recipe, including partial reversals and idempotent retries.

For HSA Benefits, note the following:

• The HSA balance cannot go negative. A reversal cannot take the HSA's available balance below zero. If the Individual has already spent part of the funding, reverse a smaller amount.
• Funds leave the HSA. The reversal withdraws the funds from the Individual's HSA. See Where reversed funds go.
• Contributions that First Dollar pulled from payroll can be reversed too. You don't receive a transactionId for these, so look up the contribution's transaction ID in the Individual's HSA transactions and pass it as fundingTransactionId.

Individually directed HSA contributions

Outside of scheduled payroll contributions, Individuals can contribute to their HSA from a personal bank account. They do this in the Health Wallet web application, which you can link through SSO, or in First Dollar's contribution widget.