Abstract: A computer-implemented method for providing tax savings for a healthcare plan is disclosed. The computer-implemented method includes receiving an employee out of pocket (OOP) responsibility amount; subtracting from the OOP amount any amounts that are not qualified medical expenses; instructing an employer payroll computer system to split a payroll amount due the employee into a first file with an amount equal to the OOP amount and a second file with an amount equal to the normal amount due the employee less the OOP amount; send the first file to a Health Savings Account (HSA) custodian computer system; and send the second file to a Direct Deposit Account (DDA) of the employee; crediting the employee's HSA; debiting the employee's HSA; and sending the debited funds to the employee's DDA. Also disclosed are a computer system and a non-transitory computer-readable medium for performing the computer-implemented method.