Owner-Crafted Care: How a Health Care Spending Account Helped Fio Put His Family First

The Challenge

Fio, owner of CR Contractors, puts in long hours building a successful business—but when it came to health benefits, he had no safety net for himself or his family. Unlike employees at larger companies who often enjoy structured plans, Fio found himself without a solution that matched the demands of entrepreneurship and his desire to provide for his loved ones.

Building the Project

That’s when he reached out to Michael at Custom Group Services. After analyzing Fio’s situation, Michael provided clear, tailored options that aligned with both the business’s structure and the family’s needs. Together, they landed on a Health Care Spending Account (HSA)—a flexible, tax-efficient way to ensure essential healthcare costs were covered without overcommitting the business.

Our Role in the Solution

From setup to ongoing support, we made the process seamless. Michael walked Fio through how the HCSA works, the range of eligible expenses, and how to make claims with minimal administrative strain. It wasn’t just about coverage—it was about putting tools in Fio’s hands to confidently care for his family’s health while staying fiscally responsible as a business owner.

The Outcome

Thanks to the HSA, Fio now enjoys the peace of mind that his family’s health needs are met—and he’s doing it in a way that saves money and makes sense for his business. The plan provides predictable, controlled healthcare spending and has given him the flexibility large-scale benefits often fail to offer. As Fio puts it, he finally has a plan that works as hard as he does.