1.0PNHPhttps://pnhp.orgpnhpf3ahttps://pnhp.org/author/pnhpf3a/New data on the deficiencies of health savings accounts - PNHPrich600338<blockquote class="wp-embedded-content"><a href="https://pnhp.org/news/new-data-on-the-deficiencies-of-health-savings-accounts/">New data on the deficiencies of health savings accounts</a></blockquote>
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</script><iframe sandbox="allow-scripts" security="restricted" src="https://pnhp.org/news/new-data-on-the-deficiencies-of-health-savings-accounts/embed/" width="600" height="338" title="“New data on the deficiencies of health savings accounts” — PNHP" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe>The Consumer Finance of Health Savings AccountsBy Jake SpiegelHelloWallet, July 2015Health Savings Accounts are a rapidly growing savings vehicle that accompanies High-Deductible Health Plans and allows the account holder to pay for qualified medical expenses tax free. Today, little is understood about how HSA account holders use their accounts. For our study, we used data collected from more than 400,000 accounts by UMB Bank, one of the largest HSA recordkeepers in the country.From the FindingsWith the rapid increase in the prevalence of high-deductible health plans (HDHPs), many patients are finding that their out-of-pocket expenses when they need to access health are excessively burdensome, resulting in financial hardship, and often resulting in forgoing beneficial health care. Supporters of HDHPs say that health savings accounts (HSAs) are the answer - simply use your own HSA to pay for the care you need before the deductible kicks in. How well is that working?