HSA News for July 28, 2025
HSA news is compiled weekly by Mr. HSA< Roy Ramthun.
HSA Studies & Analysis
HSA Deposit Rate Update – June 2025
Over the past quarter, HSA deposit rates remaining at their current levels. The exception to this was the $1,000 balance which ticked up slightly from 0.43% to 0.44% in Q2. Rates appear to have stabilized over the last couple of quarters with a slight decrease to the $10,000 balance in Q1 and a slight increase to the $1,000 balance in Q2.
Compliance Corner
How Much Can Spouses Contribute to Their Accounts When Both Are HSA-Eligible?
When both married spouses are HSA-eligible, their combined HSA deposits can’t exceed the annual limit for individuals with family coverage. However, their contributions may be divided between the two accounts however they wish. And if either spouse age 55 or older, they can deposit an additional $1,000 annually to their respective account.
Beware This One Important Caveat in the Direct-Primary Care Changes for HSA Owners
If you are currently or are considering becoming a patient in a direct-primary care arrangement, be sure you understand how fees affect whether your eligibility to open and fund a Health Savings Account. And remember that the law does not become effective until January 2026. Until then, all DPC arrangements are disqualifying.
Market Trends
Hospitals Scoop Up Physician Practices, Driving Prices Up
Hospitals are steadily buying small physician practices and, in the process, driving up the price of care, a new study shows. It's the latest evidence of consolidation in health care that's left more than three-quarters of U.S. doctors employed by health systems or corporations. The pace has quickened in recent years.
HSAs & Retirement
Employees Want to Save $1.28 Million for Retirement — Are They Even Close?
According to a recent survey, American workers believe they'll need $1.28 million to retire comfortably. However, just 30% of respondents expect to hit the $1 million mark, while less than half anticipate retiring with less than $500,000. Twenty-six percent expect to have under $250,000.
EBRI Discusses Retirement Risks From Not Addressing Long-Term Care
The Employee Benefit Research Institute and Morningstar revealed that employees’ perceptions of long-term care needs, knowledge and accessibility of long-term services and supports, as well as longevity influence their financial readiness in retirement. Although awareness of long-term care needs remains low, there is room for optimism.
Consumer-Driven Health Care
9 Best Things to Spend Your HSA Funds On in 2025
If you have an HSA, you probably know it covers doctor visits and prescriptions. But your HSA can do a lot more than that. You can use these tax-free dollars on things that improve your physical and mental health or help you be more prepared in an emergency. Here are some of the best things you can spend your HSA funds on in 2025.