Twice a year, Devenir releases findings from our semi-annual health savings account (HSA) research report.
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HSA-qualified medical plans can be designed as HMOs, POS plans, or PPOs. Which is best? It depends on several factors, including state regulations and market norms.
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In simplest terms, “decoupling” means removing the requirement to have an HDHP as a prerequisite for having an HSA.
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The amount that most seniors spend on medical care is equivalent to a big chunk of the average Social Security check.
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Health savings accounts are an often misunderstood and overlooked opportunity for American workers. Here’s why they are worth a close look during this year’s open enrollment period.
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Throughout the 2020 campaign, voters have looked for candidates who will strengthen financial security for the American people and deliver health care choice and access to families.
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Dental Work in Mexico? Really? Are you crazy?
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Maximizing Employee Health Care Control and Minimizing Employer Burden
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The employer-matching component of 401(k)s is designed to limit costs and incentivize participation.
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While December 2019 marked the 16th anniversary of legislation that created Health Savings Accounts (HSAs), many still regard the HSA as a new, untested innovation.
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Devenir, a national leader in providing investment solutions for health savings accounts (HSAs).
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Most people have heard of a Health Savings Account. It sounds good, tax benefits and all. But why should they want one?
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The next two weeks are crucial for healthcare legislation, as the 116th Congress proposes probably its last major bill prior to the November election.
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Health savings accounts (HSAs) were enacted in 2003 to help Americans cope with the increasingly popular high deductible health plans that offer low premiums, but higher out of pocket costs.
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A simple, one-page piece of legislation will allow Americans to pay for their health care tax-free during the duration of the coronavirus pandemic.
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Although Health Savings Accounts are personal financial accounts, they do affect the family. And the family can affect the account. Let's examine how a spouse can boost the benefits that you derive from your Health Savings Account . . . or derail your best-laid financial plans.
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The coronavirus pandemic in the United States forced the Federal Reserve to cut rates close to zero in order to dampen the effect of the virus on the U.S. economy. In this unique time, Devenir has been observing how health savings account (HSA) providers have reacted to the rate cut. In the past, during times of economic expansion, we have observed that the deposit rates offered in health savings accounts have been less reactive to raises in the Federal Funds rate.
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When you look at the history of 401Ks and HSAs, their origins have similar intentions - to help Americans prepare for a retirement that the government and employers are placing more squarely on their backs.
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HSA investments have grown rapidly in recent years, reaching 24% of total assets and over 1.2 million (4%) accounts as of 12/31/2019. The average investment balance for investment account holders has grown to $12,695 in 2019, from roughly $5,000 in 2011.
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