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Sidney Kess Sidney Kess

Health savings accounts (HSAs) are a consumer-driven alternative to traditional medical coverage that combine a high-deductible health plan (HDHP) with an IRA-like account called a health savings account (HSA). HSAs have been around for more than 15 years and continue to gain in popularity. According to the Employee Benefit Research Institute’s EBRI HSA Database 2018 Report, which tracks and analyzes individual behavior in HSAs, enrollment was estimated to be as much as 33.7 million. About three of every 10 employees now have HSAs. Two-thirds of account holders ended the year with positive contribution amounts (contributions were greater than distributions for the year), with 95% of all accounts having money available at year end for the future.

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