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- The Benefits of New Health Savings Accounts
- The Medicare reform legislation passed late last year allowed for the creation of Health Savings Accounts HSAs effective January 1, 2004. This new benefit allows tax favored savings for medical expenses for individuals covered by a high-deductible health plan. Unlike the flexible spending accounts already offered by many employers, an...
- White papers 2004-07-01
- HSAs Give Clients New Option For Consumer-Driven Health
- From the executive summary: ‘New Medicare legislation provides tax-advantaged Health Savings Accounts HSAs for virtually anyone who has coverage under a high-deductible health plan. In a surprising twist, the law allows HSAs to be funded on a pre-tax basis through a cafeteria plan, opening a whole new avenue for funding...
- White papers 2004-02-01
- Alert: IRS Issues Comprehensive Health Savings Account Guidance
- In notice 2004-50, IRS provides extensive guidance on establishing and maintaining health savings accounts HSAs. The 88 questions and answers in the notice address HSA issues regarding eligible individuals, high deductible health plan design, contributions and distributions, discrimination, interaction with Section 125 plans, employer responsibilities, and account administration. This document...
- White papers 2004-07-28
- Health Savings Accounts: Issues and Implementation Decisions for States
- Although Health Savings Accounts HSAs were legislated through a federal initiative, the availability of qualifying high-deductible health coverage depends partly on states. As the primary regulators of health insurance, states can choose whether to allow insurance companies to sell high-deductible policies. This issue brief covers the key issues that state...
- White papers 2004-09-01
- Health Savings Accounts: Are They the Proverbial Silver Bullet for Health Care Cost Control?
- The new health savings accounts HSAs, authorized in December by the Medicare Prescription Drug Improvement and Modernization Act of 2003, have given employers a new platform from which to provide health care benefits. This article explains the key differences between the current health coverage models and the new HSA model....
- White papers 2004-04-01
- HSAs: The Next Wave - Their Potential to Drive Consumer Engagement Propels Them Into the Large Employer Market
- When Congress authorized the creation of Health Savings Accounts HSAs at the end of 2003 as part of Medicare overhaul legislation, employers of all sizes took notice. With double-digit health insurance premium increases from 2001 to 2003, even financially healthy employers started investigating the addition of a consumer-directed health plan...
- White papers 2005-02-25
- Health Savings Accounts and Other Account-Based Health Plans
- This document examines accounts that can be used to pay for health care services on a tax-favored basis. Starting with health savings accounts HSAs, the function of these accounts is described, followed by a discussion of issues related to the accounts, whether expectations for the accounts will be met, and...
- White papers 2004-09-01
- Health Care Expenses in Retirement and the Use of Health Savings Accounts
- This report examines the impact of Medicare law Part D on savings needed for insurance premiums to supplement Medicare, Medicare law Part B and D premiums, and out-of-pocket expenses in retirement, and examines the viability of using HSAs to save for these expenses. It presents a wide range of estimates...
- White papers 2004-07-01
- Health Savings Accounts: Guidance on Coordinating With FSAs, HRAs
- This paper focuses on the circumstances under which an employer may coordinate coverage under a health savings account with the coverage under a health flexible spending account FSA and/or a health reimbursement account HRA. Generally, the guidance precludes contributing to an HAS if an individual is also covered under a...
- White papers 2004-05-11
- DOL Issues Guidance on Health Savings Accounts
- This article on health savings account HSAs, basically addresses the circumstances under which an HAS will be considered an ERISA employee benefit plan. The paper makes clear that an employer can make contribution to the HAS without it being considered an ERISA-covered plan as long as the employer's involvement is...
- White papers 2004-04-08
- Health Savings Accounts: Making Patients Better Consumers
- US health insurance costs, fueled by a system that lacks transparency and accountability, are rising fast. Health savings accounts may be one way to slow the increase. These pretax savings accounts give consumers a stake in reducing their medical expenses and let them save for future ones. Health insurers and...
- White papers
- Reviving Managed Care With Health Savings Accounts
- Although Health Savings Accounts HSAs and managed care are often seen as antithetical, they can be integrated in fruitful ways. Moreover, combining these approaches would serve policy objectives by clarifying the payment responsibilities of patients, health plans, and premium payers, thus altering important perceptions about health care decision making. The...
- White papers 2005-12-01
- Health Savings Accounts: Early Estimates of National Take-Up
- The 2003 Medicare Prescription Drug, Improvement, and Modernization Act MMA approved tax-advantaged Health Savings Accounts HSAs for certain high-deductible health insurance plans. This paper predicts that MMA could lead to approximately 3.2 million HSA contracts among Americans ages 19-64 who are not students, not enrolled in public health insurance plans,...
- White papers 2005-12-01
- Health Savings Accounts: Are They Right for Your Organization?
- Health Savings Accounts (HSA's) are a new vehicle to offer your employees a high deductible health insurance plan in conjunction with a savings account that's funded by the employer, employee, or both. These plans can be great deals for both your employees and your organization. You may want to consider...
- White papers 2005-06-14
- Health Savings Accounts: The Fundamentals
- This paper explores the fundamentals of Health Savings Accounts HSAs. While not intended to be an exhaustive review of these accounts, it describes their intellectual and legislative origins and the mechanics of how they work, explores the early returns on how they are faring in the insurance market, and identifies...
- White papers 2005-04-11
- Health Savings Accounts: Opportunities and Trade-Offs
- Health Savings Accounts - or HSAs - are a Bush administration initiative that offers Americans a new way to purchase health care services using tax-free dollars. An HSA is a tax-free savings account that must be paired with a high-deductible health insurance policy - a minimum of $1,000 for individuals,...
- White papers 2004-06-23
- Health Savings Accounts Blessed With More IRS Authorizations
- Having friends in high places can be very helpful, and few employee benefit plans have better friends in higher places than the Health Savings Accounts HSAs created as part of last year's Medicare Act. Health Savings Accounts from their birth last year have been nurtured by the IRS and the...
- White papers 2004-08-01
- The Case Against Health Savings Accounts
- Many CFOs see health savings accounts as a way to stanch the bleeding. But growing corporate interest in HSAs has been met by a growing backlash by critics and researchers. A creation of the 2003 Medicare act, HSAs do offer employers the hope of curbing their insurance expense. Under the...
- White papers 2006-03-17
- Health Savings Accounts: Bringing Savings and Choice to the Health Insurance Landscape
- As most small business owners know, they would rather be running their business than running their health plan. After all, while important to employee wellbeing, paying for and managing health benefits are resource and energy intensive and take away from bringing in new business and revenue for the company. But...
- White papers 2005-07-18
- 'Explosion' of HSAs Foreseen in 2006
- The number of employers offering Health Savings Accounts HSAs is expected to more than quadruple in 2006, says a Mellon Human Resources & Investor Solutions (HR & IS) survey. The "Health Reimbursement Arrangements/Health Savings Accounts: National Trends" survey found that only 7 percent of the more than 360 U.S. employers...
- White papers 2006-07-01
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