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Topics on the Hill

April 4th, 2019

“Unions (an important part of the Democrat base) and businesses (which lean Republican) both have opposed the tax because it reduces their value proposition to employees and limits their flexibility in offering benefits.” William G. (Bill) Stuart Director of Strategy and Compliance April 4, 2019 I’m in meetings on Capitol Hill today, hearing from Republicans.. Read more

How to Make HSAs Better Retirement Accounts

March 22nd, 2019

  “Congress . . . can’t continue a policy that discriminates against employees who earn lower wages.” William G. (Bill) Stuart Director of Strategy and Compliance March 21, 2019 When I tell people about my soon-to-be-released book, HSAs: The Tax-Perfect Retirement Account, I’m sometimes asked what changes I’d like to see in HSA rules to.. Read more

The Four Types of HSA Owners

March 7th, 2019

  “[Y]ou don’t need a six-figure income to become a Conscious Accumulator. Workers who are diligently saving for retirement can fund their HSAs at or near the statutory maximum each year by shifting where they place their retirement contributions.” William G. (Bill) Stuart Director of Strategy and Compliance March 7, 2019 Different people use Health.. Read more

Introducing Medical Equity

February 19th, 2019

“[I]f used properly, an HSA is a more efficient means of building medical equity. . . Taxes reduce the amount of your contribution or the spending power of your distribution. Alone among these accounts, HSA contributions, balances, and distributions experience no tax friction as long as withdrawals reimburse qualified expenses.” William G. (Bill) Stuart Director.. Read more

Do HSAs Help Low-Income Americans?

February 7th, 2019

  “HSAs help owners across the income spectrum pay their bills.  . . . For even the poorest Americans, receiving a discount of 25% or so on a medical bill is better than receiving no discount. It’s no panacea, but it eases the financial strain.” William G. (Bill) Stuart Director of Strategy and Compliance February.. Read more

The Latest Challenge to the ACA

January 24th, 2019

“Judge O’Connor . . . ruled the ACA unconstitutional because a tax that raises revenue is no tax, the text of the ACA doesn’t include a severability clause, and even proponents of the law have long argued that the mandate, guaranteed issue, and community rating together are integral to the successful operation of insurance markets.”.. Read more

Welcome the 116th Congress

January 10th, 2019

“Probably the best solution for the country would be . . . bipartisan legislation that loosens the federal grip on benefit design, increases choices, covers more Americans, gives states meaningful incentives to manage their Medicaid populations, and attacks the true drivers of medical costs.” William G. (Bill) Stuart Director of Strategy and Compliance Jan. 10,.. Read more

Take It to the Limit with an HSA and Limited Health FSA

December 27th, 2018

“If you want to pay this year’s expenses this year and enjoy immediate tax benefits, a HSA/Limited-Purpose Health FSA combination allows you to pay your bills and gain a tax advantage this year, rather than carry financial obligations or delay tax benefits into the future.” William G. (Bill) Stuart Director of Strategy and Compliance December.. Read more

A Few Pesky HSA Compliance Issues

December 11th, 2018

“[T]his young adult woman can open her own HSA. She doesn’t have to be the medical-plan subscriber. In fact, it’s not unusual for more than one person on a contract to be HSA-eligible.” William G. (Bill) Stuart Director of Strategy and Compliance Dec. 13, 2018 One of the advantages of spending time in the field.. Read more

Reform Prospects in the 116th Congress

November 29th, 2018

“[W]e’ll see a lot of activity at the federal and state level as politicians and special interest groups formulate their political plans for 2020 and beyond.” William G. (Bill) Stuart Director of Strategy and Compliance Nov. 29, 2018 Although the 116th Congress won’t be seated until early January, it’s not too early to speculate about.. Read more

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