Category: HSA General Information

A Capitol Experience

June 22nd, 2017

“Today, the demographics of Health FSA and HSA owners are nearly identical – including family income. No longer is one account blue collar and one white collar.” William G. (Bill) Stuart Director of Strategy and Compliance June 22, 2017 I recently spent another day on Capitol Hill – my fifth trip this year to meet.. Read more


June 8th, 2017

“These companies need to calculate the cost of not attracting potentially valuable candidates or losing employees who add the greatest value to the company. Those costs typically are measured in tens of thousands of dollars. The HRA vs. HSA decision should be made in this larger context.” William G. (Bill) Stuart Director of Strategy and.. Read more

Introducing the Medical Discount Card

May 25th, 2017

“The tax savings associated with HSAs can make a meaningful impact on the lives or ordinary Americans. And those impacts simply aren’t reflected in surveys that document average account balances or annual growth in balances.” William G. (Bill) Stuart Director of Strategy and Compliance May 25, 2017 I recently received one of those coupons that.. Read more

What Hath Congress Wrought?

May 11th, 2017

“The ACA is collapsing. Congress must do something. ‘Repeal and replace’ the ACA isn’t a political option. The question is whether the Republicans can tinker at the edges of the ACA (as they’ve done with the AHCA) or a bipartisan coalition plays the role of grown-ups and crafts temporary or permanent reform so that markets.. Read more

Hatching a Better HSA

April 13th, 2017

Sen. Hatch, left, and Rep. Paulsen During the past three years, we’ve seen a dramatic change, as a growing number of plans impose coinsurance after the deductible. This change increases members’ potential financial responsibility to as much as $6,550 for self-only coverage and $13,100 for family coverage – figures far above the $3,400 (self-only) and.. Read more

The Insurance Market Landscape Now

March 30th, 2017

Medicaid is on an unsustainable course, but Republicans were unwilling to accept the changes proposed under the AHCA. By William G. (Bill) Stuart Director of Strategy and Compliance March 30, 2017 The equivalent of a major shift in seismic plates occurred last Thursday and Friday in the nation’s capital as the Republican medical insurance and.. Read more

The Changing HSA Administration Landscape

November 10th, 2016

By William G. (Bill) Stuart Director of Strategy and Compliance Nov. 10, 2016 A dozen years ago, when HSAs were launched as part of the Medicare Prescription Drug, Improvement and Modernization Act of 2003, a number of banks applied to become HSA trustees and custodians. Lured by the prospect of new assets under management, banks.. Read more

What’s better – an HRA or an HSA?

October 27th, 2016

By William G. (Bill) Stuart Director of Strategy and Compliance October 27, 2016 It’s a trick question. There is no clear answer. It’s like asking, “What’s a better vehicle – a pick-up truck or a compact sedan?” The answer in both cases depends on your current and projected needs, your budget and your preferences.  Defining.. Read more


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