2023 Index

How does inflation influence health and wealth? In our sixth annual report, we look at the decisions healthcare consumers made and the actions they took as the cost of living increased.

Importance of benefits

61% of those in Generation Z and 51% of millennials would change employers due to improved benefits.

Mental healthcare access

29% of those in Generation Z compared to just 4% of baby boomers said inflation impacts mental healthcare access.

Health plan costs

Over half (51%) of those not enrolled in a health plan said it was due to cost.

Benefits — and their cost — could make all the difference in consumer engagement. And employee retention. As baby boomers exit the workforce and the number of younger employees increases, meeting them where they are is crucial for a company benefits offering.

It's our commitment to help. This latest report shares insights and solutions employers can use to educate employees on how to manage their healthcare finances so they can balance decisions and expenses during their working years and throughout retirement.

Ready to do more?

Contact us here to get more information on our wide range of products and offerings featured in this report.

Answer a few simple questions to calculate your own health and wealth score and see how your results compare to those in the sixth annual HSA Bank Health & Wealth Index.


Our past reports

Read through our previous annual reports to see how consumers' decisions and thought patterns have changed over time.



Year 5 (2022)

How COVID-19 continues to impact Americans, with the inclusion of mental healthcare and new challenges.

Get the 2022 report

Year 4 (2021)

Americans face new health and financial challenges in the first year of the COVID-19 pandemic.

Get the 2021 report

Year 3 (2020)

Consumer engagement declines compared to our first two years, but some positive trends emerge.

Get the 2020 report

Year 2 (2019)

Consumers remain similarly engaged compared to our first year — with a few notable changes.

Get the 2019 report

Year 1 (2018)

Our first annual survey finds high engagement among consumers overall.

Get the 2018 report