Employers don’t have to set up HSA accounts for their employees in high-deductible plans, but about 63 percent do. (You can also open an HSA on your own.) The account is portable, so the money is yours if you change jobs. To encourage the use of HSAs, about half of employers offer seed money. Some will deposit additional money into your HSA if you take advantage of preventive services like screenings and wellness visits. “Employers don’t want workers to skimp on needed care,” says Steve Wojcik, vice president of public policy at the National Business Group on Health.