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The chances of coming up with something truly original and

“Able” was a key component to HSA philosophy, but another component was the concept that individuals or families with a HSA pays a larger portion of their own healthcare costs forcing them to be frugal with healthcare decisions. This frugality was to allegedly translate to health oriented lifestyles and a resulting reduction in the need for healthcare, which in turn, would serve to drive costs downward. It didn’t work! The primary reason seems to be that folks are simply not able to sock money away for their own healthcare during long periods of rising inflation and low interest rates on savings.

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