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Thought Leadership


Learn how HSA Bank can help people own their health and guide them through a changing, consumer-directed healthcare (CDH) landscape. As a trusted leader in CDH, we provide expert insights about healthcare-related issues that are important to you.

Learn How Employee Engagement Differs by Generation

Health and wealth engagement varies based on several factors, but one of the most important is age. This report uncovers how employees of all generations are engaging in their physical and financial health. In particular, millennials need guidance to understand their health plan and feel confident in their ability to cover healthcare expenses. Download the report to learn how to engage employees of all ages.

Drive HSA Adoption Through Effective Communications

Employers play a crucial role in the health and wealth engagement of their employees, and can help set their employees up for a healthy financial future by offering a consumer-directed health plan with a Health Savings Account (HSA). It’s not enough to simply offer an HSA option, however. Employees need to understand the benefits of using an HSA before they will maximize its benefits. By using a few simple best practices to strengthen their HSA communications, employers can increase employee HSA engagement, resulting in real savings for both the employees and the organization.

Discover Actionable Insights for Employee Health and Wealth Engagement

The HSA Bank Health & Wealth IndexSM provides insight into the engagement level of consumers by measuring behaviors related to health and wealth. According to the 2019 index, roughly one in five consumers are unsure about what health insurance plan they have, and 30 percent don’t know their copay, deductible, or out-of-pocket maximum amounts. Download the report to learn how to make health and wealth engagement findings actionable for your employees.

Why Employee Health and Wealth Engagement is a Big Deal!

In this on-demand web seminar, Kevin Robertson, Chief Revenue Officer at HSA Bank, discusses the impact on your benefits program when employees are not engaged in their physical and financial health. Watch the recording or view the presentation slides to learn about key findings from the HSA Bank Health & Wealth IndexSM and how to make engagement in health and wealth actionable for your employees.

CDH Leads to Cost Savings for Employer

A new case study by HSA Bank describes how one employer saved costs and improved its benefits program after transitioning from traditional health plans to consumer-directed healthcare (CDH) plans.

Find Out How Consumers are Preparing for Healthcare Expenses in Retirement

A new report by HSA Bank provides insight into the retirement saving behaviors of consumers. Find out how much employees think they will need to save for healthcare expenses in retirement, what savings vehicles they are using and the reasons consumers are not using HSAs as the primary account to save for retirement healthcare expenses.

Learn the 3 Key Steps to CDH Success

Through effective communication with your employees, you can guide them to get the most out of consumer-directed healthcare (CDH). Download the white paper to learn three key steps to help your employees become more engaged and savvy healthcare consumers.

Learn How to Help Employees Select the Right Health Plan

When employees don’t understand their health plan options and the factors that influence health plan selection, they can end up selecting the “wrong” health plan and consequently paying more without getting more coverage or benefits in return. Download the white paper to learn how employees should evaluate health plans, and what you can do as an employer to ensure they are making the best decision for their situation.

Learn About the Healthcare Legislation Passed in the House

Three bills related to consumer-directed healthcare (CDH) were passed in July 2018 by the House of Representatives: H.R. 1476, H.R. 6311 and H.R. 6199. These bills are the most significant legislation affecting Health Savings Accounts (HSAs) and CDH since the creation of HSAs in 2003. Download the Legislative Update to learn more about these bills and their potential impact.

Discover Best Practices for Health Plan Selection

As a follow up to the Are your employees selecting the right health plan? white paper, this on-demand web seminar further explains the challenges employees face when making health plan choices. Kevin Robertson, Chief Revenue Officer, shares best practices for health plan selection, case study scenarios and tips for employers to support and educate employees.

Introducing: The HSA Bank Health & Wealth IndexSM

In an effort to empower individuals to own their health, the HSA Bank Health & Wealth IndexSM uncovers the engagement level of modern-day consumers when it comes to their physical and financial health. Key findings from the report show that although consumers are paying attention to their physical health and engaging in healthy lifestyle behaviors, opportunities exist for employers, benefit administrators, and healthcare providers to further educate consumers on the various factors that play a critical role in influencing physical and financial health. Download the report to learn where Americans stand with their physical and financial well-being.

The Convergence of Health & Wealth: Survey Findings Revealed

With the high cost of healthcare in today’s marketplace, it’s more important than ever for employer programs to encourage not only physical health, but also financial health. During a web seminar, Kevin Robertson, Chief Revenue Officer at HSA Bank, discussed this convergence of health and wealth. Watch the recording to learn about key findings from the HSA Bank Health & Wealth IndexSM, and how current consumer trends impact employer benefit programs.

Learn How HSAs Can Help Bridge the Retirement Savings Gap

The rising cost of healthcare has led to an increased focus on the need for both short- and long-term savings to fund these expenses. Employers, benefit consultants, and financial advisors are seeking additional tools that can be used to help employees plan for healthcare costs they will face throughout their lifetime, particularly during retirement years. Download the white paper to learn about the benefits of HSAs, and why HSAs can be an integral part of a holistic retirement strategy.

CDH Insights

Find Out What Health Plan Professionals Envision for the Future Healthcare System

The report summarizes findings from a survey of health plan professionals and provides insight on key issues facing the U.S. healthcare system related to healthcare reform improvements, the structure of Health Savings Accounts (HSAs), and consumer understanding of health plan coverage. Download the report for an insider perspective from health plan professionals.

CDH Insights

HSAs: An Opportunity for Achieving Health and Wealth

You’ve likely heard that Health Savings Accounts (HSAs) are gaining recognition as a valuable tool for retirement savings due to their triple tax advantage and investment opportunities. During a web seminar, employers, brokers and financial advisors learned how they can contribute to increased awareness and adoption of HSAs as a key component of a holistic retirement strategy, when combined with traditional retirement tools (401k and IRA). Watch the recording to learn about the retirement savings gap and what you can do to support your employees or clients.

Learn How Recent Legislative Efforts Favor Health Savings Accounts

The reform of the Affordable Care Act (ACA) was high on the to-do list of the GOP heading into 2017, and we've seen these legislative efforts surrounding healthcare materialize with the passing of the American Health Care Act (AHCA) in the House of Representatives. As passed by the House, AHCA has six specific impacts on Health Savings Accounts (HSAs) and Consumer-Directed Healthcare (CDH). Download the perspective paper to learn why these changes are substantial and how they will positively impact individuals' ability to own their health.

Find Out About Employer Responsibilities for HSA Plans Under the DOL Fiduciary Standards

If you're working with or considering working with a non-bank custodian with an omnibus structure, do you know where the funds are located and how they are being protected? What criteria is the vendor using to vet the banks? How often are the banks being evaluated? This paper, a follow-up to our previous white paper entitled, "DOL Fiduciary Standards: Potential Impact on HSAs," written by Kevin Robertson, HSA Bank's Senior Vice President and Chief Revenue Officer, highlights some of the foundational components to ensure compliance with DOL regulations, especially as they pertain to employers offering HSAs within their benefit structures. Download our white paper today to start preparing for the future.

Learn More About the Potential Impact of the DOL's Fiduciary Standards Guidance

What does the Department of Labor's regulatory fiduciary standards guidance really mean and how can you be prepared? This white paper, written by Kevin Robertson, HSA Bank's Senior Vice President and Chief Revenue Officer, details the impact the changes could have on many aspects of retirement plans and some aspects of health benefits like Health Savings Accounts (HSAs). Download our white paper today to start preparing for the future.

Now is the Time to Plan for the Cadillac Tax

What is the Cadillac Tax? How will the tax be applied? Why is it being delayed? This brief, written by Kevin Robertson, HSA Bank's Senior Vice President and Chief Revenue Officer, helps to answer these questions and more as employers, unions, and others prepare for the date when the Cadillac Tax will take effect. Download our brief today to start preparing for the future.

Health Savings Accounts: Achieving Optimal Results for Employer Programs

Health Savings Accounts (HSAs) continue to grow in popularity. If you or your clients are considering offering a consumer-directed health plan with an HSA, this white paper will provide a framework and context for developing a successful HSA program. Download our white paper today to achieve your optimal results.