San Francisco, CA, USA
January 7, 2008

HSAs: Moving Beyond the Growing Pains

Table of Contents

Return to report Abstract

Executive Summary 03
The Market Demand 05
  Shallow Growth Curve 05
  Employers Increasing HDHP Demand Supply 06
  Government Impact: Net Positive 08
  Small Business Not as Eager as Expected 09
The Market: Supply 11
  Models in the Lead Today 11
  Leading Players and Models 17
  Ascendant Models 19
Growth Inhibitor: Shoddy Construction 25
  Consumer Knowledge Low and Wariness High 26
  Customer Service Complaints 27
  The Fee Challenge 28
Growth Hormones: The Remodel 30
  Architecting a Remodel 30
  The Next-Generation HDHP 32
  HSA 2.0 33
  Remodel Partnerships 34
  Glimmer of a Defined Contribution Model 35
2008-2009: Tearing Down and Rebuilding 37
Appendix: HSA 101 39
 

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