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      <image:caption>While HSA participation did not differ significantly by age group, once employees hit age 35, their annual contributions jumped by more than 35%. Average annual contribution amounts among employees between 35 and 65 remained similar regardless of age group.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Integrating Health Savings Accounts with New Health Reimbursement Arrangements:</image:title>
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      <image:title>Blog - Employer matching is common in 401(k)s – and may even be better in HSAs</image:title>
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      <image:title>Blog - Whitepaper: 'Learning' Objectives'</image:title>
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      <image:title>Blog - Devenir Report Forecasts HSA Assets to Exceed $100 Billion in 2022</image:title>
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      <image:title>Blog - HSAs: The Road Less Traveled</image:title>
      <image:caption>Source: Devenir Year-End Report - March 3, 2020</image:caption>
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      <image:title>Blog - Health Savings Account Deposit Rates – 2020 Update</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c48b226f793922c09eba0b7/1586955343562-IGKIDUP58AGP1063TKQF/2019-Mutual-Fund-vs-SDB-Average-Balance-History-e1585851558915.png</image:loc>
      <image:title>Blog - HSA Investments: Mutual Fund vs. Self-Directed Brokerage Account Holders</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c48b226f793922c09eba0b7/1586955379730-RFCWQO4BH444BDGZ5X2U/2019-HSA-Investment-Asset-Class-Holdings-e1585851582302.png</image:loc>
      <image:title>Blog - HSA Investments: Mutual Fund vs. Self-Directed Brokerage Account Holders</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c48b226f793922c09eba0b7/1586955413176-LNK0LQCZPO1KALT2ZKNK/2019-HSA-SDB-Holdings-Breakdown-e1585851571277.png</image:loc>
      <image:title>Blog - HSA Investments: Mutual Fund vs. Self-Directed Brokerage Account Holders</image:title>
    </image:image>
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  </url>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c48b226f793922c09eba0b7/1585763622669-14BBMWET8D4GU2RUO23T/1-b.png</image:loc>
      <image:title>Blog - How the Bera-Smith Bill Would Help Seniors</image:title>
      <image:caption>Note: (1) 22% federal income, 7.65% federal payroll, 5.35% state taxes for a total of 35%</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c48b226f793922c09eba0b7/1585763653840-VBK0KSF2FZZHUGUIHJ9Z/2b.png</image:loc>
      <image:title>Blog - How the Bera-Smith Bill Would Help Seniors</image:title>
      <image:caption>Note: (1) 22% federal income, 7.65% federal payroll, 5.35% state taxes for a total of 35%</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5c48b226f793922c09eba0b7/1585763716378-9ZFI35X8YO80JLQ2TRRQ/3b.png</image:loc>
      <image:title>Blog - How the Bera-Smith Bill Would Help Seniors</image:title>
      <image:caption>Notes: Provisional income is equal to 50% of your Social Security benefit plus other income, such as pensions and distributions from retirement accounts. See IRS Publication 915, Social Security and Equivalent Railroad Retirement Benefits. Provisional income determines how much of your Social Security benefit is taxed. For taxpayers with filing status of single or head of household with provisional income between $25,000 and $34,000, 50% of their Social Security benefit is taxed. For incomes above $34,000, 85% of the Social Security benefit is taxed. 12% federal income tax and 5.35% state income tax. No payroll taxes applied to this income. Additional note: This scenario doesn’t depict the Income-Related Monthly Adjustment Amount, or IRMAA. Medicare enrollees with incomes above $87,000 ($174,000 if filing jointly) pay a higher Part B premium. Health Savings Account distributions aren’t included in the income calculation that triggers IRMAA, whereas distributions from traditional retirement accounts do count toward the threshold.</image:caption>
    </image:image>
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