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The HSA Opportunity: Consumer Payments and the Impact of "Defined Contribution" Health Care

Product Type: Market Research Report
Published by: TowerGroup
Published: June 2005
Product Code: R301-929
Description
This TowerGroup Research Note discusses the market drivers behind the rise of the health savings account (HSA) and the health care flexible spending account (HCFSA). The latter provides pretax reimbursement of qualified medical costs not covered by insurance and is referred to more generically by the Internal Revenue Service as a flexible spending arrangement.) The Note compares HSAs and FSAs to earlier types of individual health account products and considers the current market size and growth potential over the next five years.
Table of Contents
TowerGroup Take-Aways




Report Coverage




Background




Changes in the Air: The Rise of Defined-Contribution Health Care


Exhibit 1: Estimated Rise in US Health Expenditures (1998-2010)

Exhibit 2: Steady Rise in Average US Monthly Health Plan Premiums (2000-04)




Defined-Contribution Health Care and the Rise of Personal Accounts


Exhibit 3: Comparison of Leading US Health Care Tax-Exempt Personal Savings Accounts (2005)




The HSA Arrives: Convergence of Payments and Health Care?

Defined-Contribution Health and Retirement Accounts: Features and Differences

HSAs vs. FSAs: Why the Two Plans Will Coexist


Exhibit 4: Breakdown of HSA Penetration by Group Type (2004-05)

Exhibit 5: Overview of Components and Processes of US Health Savings Accounts (2005)


Market Growth Estimates for HSA vs. FSA


Exhibit 6: Predicted Growth in the HSA, HRA, and FSA Market Segments (2002-10)




Summary
Ordering and More Information
Price and Delivery Options


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