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Health Savings Accounts Require Close Attention
By Ann Carrns
From The New York Times on Friday, September 16, 2016
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So should lower-income workers avoid H.S.A. plans if they have a choice?

Not necessarily. Monthly premiums are usually lower with such plans, and employers often make contributions to H.S.A.s that can help cover the cost of care. The typical contribution by large employers to an H.S.A. is $600 for an individual and $1,100 for family coverage, according to the National Business Group on Health.

To encourage workers to get preventive care, some employers attach strings to their contributions, said Steve Wojcik, vice president of public policy with the business group. They may, for instance, require workers to designate a primary care physician or complete recommended no-cost screenings to be eligible for contributions.