Health%20Savings%20Accounts

1
Health Savings Accounts

• Sherry Glied
• HPMMSPH, Columbia University

2
Ten Worst Things about HSAs
3
Progressive
4
fragment the insurance market
5
regressive
6
Health Care Professional
7
discourage coordinated care
8
add administrative complexity for MDs
9
Economic Policy Wonk
10
www.Kff.org
increase health care costs
11
The greatest improvement in the productive powers
of labor, and the greater part of the skill,
dexterity, and judgment with which it is anywhere
directed, or applied, seem to have been the
effects of the division of labor
work against the division of labor
12
529 Education Savings Account
HSA
IRA
lead to inefficient savings behavior
13
Libertarian
14
BANKERS FORM HEALTH SAVINGS ACCOUNT
COUNCIL WASHINGTON, Dec. 20The American Bankers
Association and the American Bankers Insurance
Association jointly announced the formation of
The HSA Council, an organization of banks,
insurers and technology leaders committed to
increasing the distribution of health savings
accounts through banks.
HSA COUNCIL MEMBERS MEET WITH PRESIDENT BUSH ON
STRATEGIES TO EXPAND HEALTH SAVINGS ACCOUNTS
WASHINGTON, April 4 Two members of the HSA
Council met with President Bush this morning to
discuss ways to make it easier for Americans to
participate in health savings accounts.
expand regulatory capture
15
over-regulate the insurance market
16
variations in care
Rising costs
Poor quality treatment
Medical errors
46 million uninsured
are an absurd distraction
HSA
17

• fragment the insurance market
• are regressive
• discourage coordinated care
• add administrative complexity for MDs
• increase health care costs
• work against the division of labor
• lead to inefficient savings behavior
• expand regulatory capture
• over-regulate the insurance market
• are an absurd distraction