Category: HSA General Information

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

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

An HSA Watershed Moment?

April 26th, 2018

“I asked a prospective retirement advisor whether I should contribute the next $5,000 of retirement savings into my company’s traditional 401(k), a Roth 401(k) or my HSA. He proceeded to tell me . . . “ William G. (Bill) Stuart Director of Strategy and Compliance April 26, 2018 Sometimes we know when we’re right in the.. Read more

A Sexagenarian Checklist

April 12th, 2018

“Medicare penalties aren’t like aggregated assault convictions. You can incur Medicare penalties and live outside prison. You don’t have to report to a probation officer, wear an anklet or leave the house only for your job as a retail-store greeter. And you don’t lose your right to vote. You don’t even have to register as.. Read more

My CDHristmas Wish List

December 20th, 2017

“It would be great to wake up Christmas morning and see some clarification and accommodation in these areas. Frankincense is nice, but tax-code clarity is a more practical gift in the 21st century.” William G. (Bill) Stuart Director of Strategy and Compliance December 21, 2017 It’s nearly Christmas. I’ve been compiling my list all year… Read more

Cadillac Tax Back in the Cross Hairs

December 7th, 2017

“Employers have no control over the amounts (other than to limit them altogether) that individual employees find necessary to meet their medical, dental and vision needs in a given year. Rational employers will terminate Health FSA and HSA programs if they must pay a tax equal to 40% of the total value of contributions into.. Read more


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Manchester, NH 03101
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Benefit Strategies
P.O. Box 1300
Manchester, NH 03105-1300

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