HSA News for March 9, 2026
HSA news is compiled weekly by Mr. HSA, Roy Ramthun.
Compliance Corner
When Do Bronze and Catastrophic Plans Become HSA-Compatible Coverage?
If you are covered on a Bronze or Catastrophic plan available through a state marketplace, you have not missed the opportunity to open an HSA. You can open and begin contributing to an HSA at any time. Simply find an HSA provider, sign up, begin contributing tax-deductible personal funds, and start saving.
How Would Decoupling Increase HSA Assets - With or Without Actually Passing?
Under current tax law, individuals must be covered by an HSA-qualified or HSA-compatible health insurance plan. “Decoupling” would expand HSA eligibility to anyone covered by a health insurance plan regardless of type. Here’s how that might affect HSAs consumers’ ability to pay their rising out-of-pocket financial responsibility for care.
Market Trends
Enrollment in HSA, HRA Plans Drops to 15%
The percentage of U.S. adults with a combination of HDHP coverage and an HSA or HRA fell to 15% in 2025, down from 18% in 2024, according to a new survey from EBRI. 14% of survey participants could not remember whether they were offered HSAs or HRAs, up from 11% in 2024.
Chronic Illness Drives Healthcare Spending Among Millennials
Young workers are experiencing the fastest increase in healthcare spending, fueled by the rising rates of chronic conditions among millennials. According to a new report, high-cost medical care and differing utilization patterns are driving up healthcare expenses for both employees and their employers.
HSAs & Retirement
Nearly Two-Thirds of HSA Holders Reported Using Accounts for Immediate Costs
When the Employee Benefit Resea asked HSA owners how they used their accounts, 67% said they were for out-of-pocket expenses from the past year or near term. Only 35% reported saving for health care costs in retirement, and 28% had invested their funds.
55+ Emergency Savings Breakdown: What Do Financial Experts Recommend?
Most adults between 55 and 64 have far less in emergency savings than they will likely need heading into retirement. Healthcare is the single largest financial risk most retirees face and one growing faster than any other major expense category. Many workers have access to one of the most tax-efficient savings vehicles available (HSAs) yet the data suggests most are not using it.
Maximizing Your HSA
Invest With Confidence: How Women Can Use HSAs for Long-Term Wealth
While women have made incredible strides in wealth-building and financial independence, there are still areas where confidence lags, like investing in HSAs. Despite their powerful benefits, many women hesitate to invest their HSA funds. Here’s why investing HSA funds is a smart move for women and common misconceptions that may be holding them back.
Consumer-Driven Health Care
Even Patients Are Shocked by the Prices Their Insurers Will Pay — And It Costs All of Us
What is a reasonable price for any health care visit or procedure, and how is it determined? How hard do insurers, the purported stewards of the patient’s hard-earned health dollars, fight to lower charges, and how closely do they scrutinize bills for accuracy?