Health savings accounts (HSA) and the high-deductible health plans associated with them continue to garner interest for their purported potential to rein in health care spending. As the Obama administration and Congress discuss minimum benefit standards and insurance options during coming years, the role of HSAs is certain to be of continuing interest.
The authors note that:
The plans have thus far been less attractive that prononents envisioned, the authors add, so their potentially negative ramifications on populations with high medical needs have been limited. However, they say, "efforts to expand enrollment in these plans through further tax incentives, for example, could place growing financial burdens on those least able to absorb them, leading to more barriers to medical care for the low-income and the sick and fewer insurance options."