Key Issues in National Health Care Policy Series Updated with Latest Data on Health Savings Accounts (HSAs)

ACHP updated its Key Issues in National Health Care Policy series today with the latest data on Health Savings Accounts (HSAs). Much is debated about the merits and malice of high-deductible health plans that are compatible with Health Savings Accounts (HSAs), but one undeniable aspect of this new type of health insurance product is that it’s growing.  

Key findings from the latest data include:

  • More employers are adopting HSA compatible high-deductible health plans (HSA/HDHPs), although the number of firms offering them and the number of enrollees remains modest.
  • More health plans are offering HSA/HDHPs and partnering with banks to administer the savings accounts.
  • The minimum allowable deductible for HSA/HDHPs will grow in 2007, as will account contribution limits and enrollees’ out-of-pocket maximum liability.
  • Under a new demonstration project, Medicare will expand the high-deductible Medicare Advantage health plans coupled with Medical Savings Accounts (MSAs) available to beneficiaries this open-enrollment season.
  • Finally, proposals to make HSA/HDHPs more attractive to employers and consumers are gaining attention, but with the new Congress, proposed HSA legislation will not be at the top of the agenda.

As part of our commitment to educate our members, policymakers, and the public, ACHP and the ACHP Foundation maintain a series on Key Issues in National Health Care Policy.  Using data from leading sources, the series discusses important health care issues and trends in a manner accessible to a broad audience.