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Health Savings Accounts (HSAs)

Though Health Savings Accounts (HSAs) are a relatively new health care financing tool, signed into law in January 2004, Americans for Free Choice in Medicine (AFCM) has been committed to the essential concept since we were founded in 1993.

A standard search of the term Health Savings Accounts on a search engine such as Yahoo! or Google will yield results for those investigating HSAs, from policy studies and general educational information to product comparisons and Web sites. The federal government regulates HSAs, imposing caps, limits and restrictions on the Health Savings Account. The annual maximum contribution for 2007 to an HSA is $2,850 for the individual and $5,650 for the family.

HSAs are subject by multiple state and federal government regulations and there are tax implications with HSAs. State laws applicable to HSAs vary greatly.

Our information about HSAs is intended as a starting point for the individual to discover the facts about HSAs. These pages are a general orientation, not a comprehensive tutorial. As AFCM evaluates HSA products, regulations and studies, we are committed to educating the public about ideas, including HSAs. AFCM's member newsletter, Pulse, is the most reliable and effective method of staying informed about essential news regarding HSAs.

Health Savings Accounts are owned by 4.5 million Americans in large group, small group and individual High Deductible Health Plans (HDHPs), according to an April 2007 census by the America's Health Insurance Plans (AHIP).

For official information about HSAs, visit the United States' Treasury Department HSA page at: http://www.treas.gov/offices/public-affairs/hsa

History of Health Savings Accounts >>

 


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