Blog

Solving a Small Businessman’s Coverage Dilemma

September 20th, 2018

“This is the ultimate twofer. With as little as one month’s coverage in 2018, they can make the full $6,900 family contribution for 2018 (and they have until April 15, 2019, to deposit the funds), then turn around Jan. 1 and place another $7,000 in their HSAs.” William G. (Bill) Stuart Director of Strategy and.. Read more

In Defense of the Cadillac Tax

September 6th, 2018

“What to do? US Sen. John Kerry came up with perfect answer: Preserve the employer exclusion and impose a 40% excise tax on the amount of the premium that exceeded a particular threshold set by the government. Impose the tax on insurers and position it as punishment to insurers . . . for offering high-cost.. Read more

Getting to 60 on HSA Expansion

August 22nd, 2018

“Democrats will point to statistics showing that most HSA owners don’t accumulate large balances because they don’t have sufficient discretionary income to contribute to the current statutory limits. . . But for many, an HSA is merely an alternative to a Health FSA. . . No one criticizes Health FSAs because participants don’t build balances.. Read more

HSA Critics Aim at the Wrong Target

August 9th, 2018

“It’s important to see an HSA for what it is, a financial account with tax benefits, and not what it isn’t, medical coverage with high financial barriers to care. Once we establish these principles, we can have a debate about the merit of HSAs. On the other hand, who’s going to take the position that.. Read more

The Moral Case for HSA Expansion

July 25th, 2018

“Current law discriminates against working seniors who are enrolled in HSA-qualified plans based on their income and the size of their employers. This discrimination simply isn’t fair, especially when there is a fairly simple solution. As more Americans understand this issue, members of Congress will have an increasingly difficult time defending this ongoing discrimination.” William.. Read more

Are You Part of the 12%?

July 11th, 2018

“Too often, companies introduce their HSA program during open-enrollment meetings. Usually, by the time presenters review the benefits of the medical options, there’s little time to discuss the medical account. Ideally, you start your HSA education program four to six months before the start of the new medical plan year. The goal is to teach.. Read more

Texas v. Azar: The Next ACA Battleground

June 20th, 2018

“It turns out that this shift to save the law may have reduced the threshold to amend it from the 60 votes normally required in the Senate for regular legislation to 51 through the reconciliation process, depending on what several courts say during the next year or two.” William G. (Bill) Stuart Director of Strategy.. Read more

Expanding HSAs

June 6th, 2018

“Giving more Americans with high medical, dental, and vision expenses more opportunities to pay less for these services should be a priority that every American, and member of Congress, can support.” William G. (Bill) Stuart Director of Strategy and Compliance June 7, 2018 The Health Savings Account industry, represented by the American Bankers Association HSA.. Read more

Your HSA Compliance Questions Answered

May 23rd, 2018

“This strategy is particularly popular in the small-group market, where deductibles are high and employee claims experience isn’t factored into premiums. Groups that are healthier (either fewer total claims or high claims among only a handful of employees) can benefit from this approach.” William G. (Bill) Stuart Director of Strategy and Compliance May 24, 2018.. Read more

The Advantages of an HSA

May 10th, 2018

“These are the benefits of HSAs of which we must never lose sight…  HSAs provide huge advantages to families of more moderate means, particularly as vehicles to build ‘rainy day’ medical savings and as a means to reduce the financial impact medical bills pose to family budgets.” William G. (Bill) Stuart Director of Strategy and.. Read more

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