Use of Health Savings Accounts Among US Adults Enrolled in High-Deductible Health Plans

JAMA Network Open
Jeffrey T KullgrenAngela Fagerlin

Abstract

Health savings accounts (HSAs) can be used by enrollees in high-deductible health plans (HDHPs) to save for health care expenses before taxes. Expansion of and encouraging contributions to HSAs have been centerpieces of recent federal legislation. Little is known about how US residents who may be eligible for HSAs are using them to save for health care. To determine which patients who may be eligible for an HSA do not have one and what decisions patients with HSAs make about contributing to them. This cross-sectional national survey assessed an online survey panel representative of the US adult population. Adults aged 18 to 64 years and enrolled in an HDHP for at least 12 months were eligible to participate. Data were collected from August 26 to September 19, 2016, and analyzed from November 1, 2019, to April 30, 2020. Prevalence of not having an HSA or not making HSA contributions in the last 12 months and reasons for not making the HSA contributions. Based on data from 1637 individuals (American Association of Public Opinion Research response rate 4, 54.8%), half (50.6% [95% CI, 47.7%-53.6%]) of US adults in HDHPs were female, and most were aged 36 to 51 (35.7% [95% CI, 32.8%-38.6%]) or 52 to 64 (36.8% [95% CI, 34.1%-39.5%]) ...Continue Reading

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Citations

May 15, 2021·American Journal of Preventive Medicine·Selena E OrtizLinh M Tran

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