HSAs no longer effective, as regular plan deductibles soar: Study

Enabling consumers to open tax-advantaged health savings accounts in conjunction with qualifying high-deductible health plans was intended to reduce wasteful spending by making them more cost conscious, but these expected savings no longer exist, according to a study reported in Health Affairs, reports BenefitsPro. In 2007, the deductible in an employer plan was just over one-fourth as high as that in an HSA-qualified plan, but today many Americans have deductibles above the HSA limit but without an HSA option.