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Bank Systems & Technology May 1, 2006 Anthony O'Donnell	H$As: Sharing Some insurers are seeking to offer an end-to-end HDHP/HSA solution by creating their own banks to serve as custodians of the accounts. The challenge for banks is to make health insurers offering HDHPs see the value of what banks can bring to the overall consumer-directed health experience.
Bank Technology News January 2006 Glen Fest	Health Savings Accounts: HSAs Interest FIs, If Not Consumers So far, consumer adoption hasn't been as robust as many hoped. But that hasn't stopped financial firms and technology companies from pursuing business in the sector.
Managed Care July 2006 John Carroll	Banks Give Insurers an Offer Most of Them Cannot Refuse Managing the assets of a health savings account has banks excited, but leaving charges in the hands of members makes providers nervous.
Bank Technology News February 2008 Michael Sisk	Open Road Estimates on the growth of the consumer-driven health care market vary, but virtually all predict robust increases.
Bank Systems & Technology February 29, 2008 Peggy Bresnick Kendler	Health Savings Accounts Present Huge Opportunity to Banks Several bankers discuss the benefits to banks of providing health savings accounts to customers.
Bank Technology News October 2005 Michael Sisk	Health Savings Accounts: As HSAs Multiply, So Do Tech Plays With a market predicted to surpass that of 401(k)s, health savings accounts are becoming the hottest commodity. The market's explosive potential also has tech providers' tongues wagging.
U.S. Banker October 2006 Lee Conrad	Consumer Snag: How to Make Account Openings Easier Most banks are not sufficiently integrated with health plans to make the process of creating an health savings account a convenient experience for customers. But that can change.
Insurance & Technology April 2, 2004 Anthony O'Donnell	Insurers Poised to Launch HSAs Newly authorized tax-exempt health savings accounts may drive intensified investment in consumer-directed, healthcare-related technology.
Bank Technology News November 2005 Glen Fest	HSAs: Banks May need Plastic, Not paper Insurance providers dipping their toes into flexible spending and health savings accounts favor using cards instead of paper-intensive reimbursement methods, creating opportunities to partner with financial institutions.
The Motley Fool September 14, 2011 Dan Caplinger	How You Can Make Health Care Affordable Health savings accounts and high-deductible health plans make a powerful combination.
U.S. Banker June 2006 Lee Conrad	Making Sense of HSAs For Community Banks Community and mid-sized banks are jumping into the fray of health savings accounts, but some analysts wonder if they can successfully compete against the big guys.
Bank Systems & Technology November 1, 2006 Nancy Feig	Health Savings Account Market Is Expanding In late September, the U.S. House Ways and Means Committee provided a boost to the banking industry when it voted in favor of raising contribution limits on health savings accounts.
Bank Technology News February 2007 John Adams	Customer Education: Knowledge Is The Path To Healthy HSAs There's a knowledge gap among consumers and employers about HSAs, ranging from how they work to how much they cost. A handful of institutions are trying to fix that.
Financial Planning April 1, 2006 Donald Jay Korn	HSAs Determining how to procure vital health insurance without breaking clients' bankbooks has become a challenge for financial planners. Are these low-priced insurance plans the new prescription for rising healthcare costs?
Bank Technology News May 2007 John Adams	Healthcare: Fifth Third Wants a Healthy Future Banks are well positioned to be the nexus between payers, providers and patients. But to automate medical payment documents banks must cope with a new level of complexity.
Insurance & Technology January 7, 2008 Peggy Bresnick Kendler	Real-Time Information Crucial To Informed Healthcare Decisions Facing increased pressure to control costs, the health insurance industry must empower consumers to make informed healthcare decisions by providing them with access to real-time information.
The Motley Fool September 16, 2009 Dan Caplinger	The Biggest Casualty of Obamacare Health savings accounts that qualify for deductions on your income tax return could disappear.
Bank Technology News July 2005 Holly Sraeel	Banks Eye Potentially Big Play in The HSA Business Banks expect the use of health savings accounts will be attractive to consumers because it puts more control of medical expenses into their hands.
Insurance & Technology April 5, 2006 Anthony O'Donnell	Out of the Gate Having already dealt with market population used to making decisions about its healthcare, Assurant Health is first out of the gate with a high-deductible health plan coupled to a health savings account.
U.S. Banker January 2010 Glen Fest	HSAs' High Hurdles Banks entering the health savings account market must cope with some barriers to entry -- including the steep early-mover advantage of established competitors.
The Motley Fool September 29, 2006 Karl Thiel	Is an HSA Right for You? Health savings accounts can help you reduce costs -- if you know how they work.
Managed Care March 2004 John Carroll	Health Savings Accounts Ready To Enter the Market Federal backing aligns with market pressure to create an irresistible force. However, health plans need to be aware of some troubling issues.
Financial Planning September 1, 2008 Jeanne Lee	HSA Highlights As healthcare costs continue to skyrocket, small business clients must arm themselves with strategies to help their employees save money on health benefits. One way is knowledge of health savings accounts and the various ways they can make benefits more affordable.
Financial Planning January 1, 2005 Kevin J. Delaere	Healthy Advice Both clients and financial advisers should consider health and medical savings accounts as a vital part of an investment plan.
Insurance & Technology September 5, 2006 Maria Woehr	Healthy Options The Principal Financial Group is pushing competition in consumer-driven healthcare with an integrated health reimbursement arrangement and health savings account product.
Financial Advisor October 2005 O'Donnell & Maher	Health Savings Accounts: To Have And To Hold Offering deductibility, tax-free growth, unpenalized carryovers from year to year, tax-free withdrawals and portability, a health savings account (HSA) is a financial planning tool that needs to be considered by advisers.
Bank Systems & Technology January 29, 2008 Maria Bruno-Britz	Evolving Card Business Presents Opportunities and Threats for Banks Rapid advances in technology, the recent IPOs of Visa and MasterCard, an uncertain economy, and shifting consumer behaviors all are converging to create a whirlwind of change -- and opportunity -- in the card space.
Bank Technology News December 2009 John Adams	Post Oak Performs a Paper-ectomy While responsibility for insuring healthcare payments has been mired in political debate that's touched all points on the national intellect curve, the virtue of automating those payments should be of little doubt.
U.S. Banker February 2007 Lee Conrad	Enough With the Hidden Fees, Already! Come Clean. According to various industry sources, there is still one thing that keeps health savings accounts from taking off: a lack of transparency about setup, transaction and maintenance fees.
Managed Care March 2005 John Carroll	HSAs: Early Returns Are In A significant number of consultants, insurers, politicians, and, oh yes, the companies that purchase health care are increasing their interest in health savings accounts.
The Motley Fool November 3, 2010 Dan Caplinger	Your Answer to Skyrocketing Health Costs Health savings accounts are worth a closer look.
Managed Care October 2007 Lola Butcher	Workers Fail To Exploit Health Savings Accounts HSAs offer an easy way to save money, have it grow, and not be taxed when it is withdrawn. Why don't more people take advantage of this?
Bank Systems & Technology February 27, 2006 Ivan Schneider	Health or Savings (But not Both) Right now, HSA deposits seem riskless. Banks aren't responsible for enforcing IRS rules about where the money can be spent, so HSAs are just another deposit account with no consumer protection headaches or compliance gotchas. But do you really believe it'll stay so simple?
Registered Rep. January 1, 2006 Jim Ambrosio	Filling A Void The potential of the health savings account in the small-business market as both an investment and insurance vehicle is enormous for banks, brokerages and insurers, as well as for independent advisors.
Insurance & Technology February 7, 2004 Julie Gallagher	Taking a New Look at HSAs Self-service tools support newly authorized health savings accounts
Financial Planning April 1, 2010 Donald Jay Korn	Good, But Not Great? Health savings accounts are starting to have many supporters among financial planners.
Financial Planning April 1, 2011 Donald Jay Korn	Baby Steps Health savings accounts are growing, although assets are still modest, and advisors, consumers and employers remain interested. Moreover, integral parts of last year's healthcare reform law may actually encourage the growth of HSAs.
The Motley Fool September 13, 2006 Dan Caplinger	The Dark Side of HSAs The combination of tax-deductible savings, tax-free income and withdrawals, and lower insurance premiums make the health savings account provisions extremely attractive. However, HSAs aren't right for everyone.
Financial Planning April 1, 2007 Donald Jay Korn	Healthy, Wealthy and Wise As more and more affluent clients start managing their medical costs, financial advisors may be asked to provide a second opinion on the choices.
Registered Rep. October 22, 2012 Kevin McKinley	Giving Working Clients a Health Insurance Checkup As health care has taken center stage in the national debate, one of clients' biggest concerns is how to handle their ever-increasing and always-confusing health insurance and health care costs.
The Motley Fool July 30, 2004 Roy Lewis	Accounts Ease Medical Costs The new health savings accounts help ease the burden of high-deductible medical policies.
Bank Technology News January 2010 John Adams	Thank Payments Innovation a Bundle Like a specialist working with a primary care doctor, US Bank takes a tag-team approach to bundling commercial lending with payments and processing automation.
Insurance & Technology August 26, 2004 Peggy Bresnick Kendler	Smart Payment Options Card payments promise to increase consumer convenience and streamline transaction processing, but for insurers, they represent a new business - with new technology challenges.
Managed Care December 2004 MargaretAnn Cross	Companies Seek Guidance As Payment Options Increase HSAs, FSAs, HRAs -- it's all alphabet soup to many employers. HMOs need to be able to accommodate all sorts of new payment schemes.
U.S. Banker November 2007 Lee Conrad	'Can I Get a Loan For My Nose Job?' When vanity rears its ugly head, banks will be there to help pretty it up again. And they'll make a buck while they're at it.
BusinessWeek November 8, 2004 Gleckman & Woellert	Your New Health Plan Health savings accounts, like 401(k)s, will give employees more choices -- but also a greater share of the costs
Wall Street & Technology November 27, 2007 Crosman et al.	2008 IT Budgets Up More Than 10% for Financial Services Firms Results of a comprehensive survey of top executives at Wall Street firms, banks and insurance companies found their IT budgets for next year are more than 10% higher than 2007.
Inc. April 2004 Karen Kroll	A 401(k) for Health Care Costs Finally, a way to trim health insurance costs without sticking it to your employees: health savings accounts.
Insurance & Technology November 14, 2007 Kim Dorgan	Life Insurance Industry Would Benefit From Optional Federal Charter The future of insurance regulation remains one of the most critical issues facing the life insurance industry.
Bank Systems & Technology September 28, 2007 Maria Bruno-Britz	Transaction Processing Not Enough to Succeed In Commercial Banking Banks will need to move away from the transaction processing model to become the advisers of choice for their corporates.