A brief introduction to HSAs (and why they’re terrific).
HSAs are stable, relationship-based deposits that may also generate monthly service fees, investment management fees, and interchange fees for banks, insurance companies and IRS-approved non-bank custodians. While many banks offer HSAs as a retail product to walk-in customers, they are less engaged in the market for employment-based HSA programs. Employer-based HSA programs are where the true potential lies for HSA custodians, but they present special challenges. This white paper reviews guidelines for employees, employers and HSA custodians related to employment-based HSA programs.
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