Forbes December 2, 2024
Health Savings Accounts (HSAs) will celebrate their 21st anniversary in January. Over the past two decades, they have provided tens of millions of Americans with financial savings and incentives to improve health. With the rise of the gig economy and the growing adoption of Individual Coverage Health Reimbursement Arrangements (ICHRAs), the potential for HSAs to benefit more Americans is greater than ever.
As Joel White, Dr. David Hyman, and I discussed in Health Affairs Forefront last week, the 59 million and growing American gig workers, unlike full-time workers, lack access to employer-sponsored health insurance. Even among full-time workers, a rapidly increasing number are being offered ICHRAs by their employers to purchase health insurance independently.
These workers can purchase individual insurance...
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