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Health Savings Accounts (HSAs)



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IRS Increases HSA/HDHP Amounts for Inflation for 2020
The IRS Issued Inflation-Adjusted HSA/HDHP Amounts for 2020.
May 29, 2019
President's Budget Calls for HSA Enhancements
Last week, President Trump's proposed 2020 Budget called for health savings account (HSA) enhancements.
Mar 22, 2019
Letter to Senate HELP Chair Lamar Alexander (R-TN) with Recommendations to Slow Rising Health Costs and Improve Health Outcomes
The National Business Group on Health sent a letter in response to Senate HELP Committee Chair Alexander's request for information on specific recommendations for Congress and the Administration to slow rising health care costs, improve health outcomes and increase access to information to make informed decisions about health care. Specifically, the Business Group recommended eliminating the ACA's Cadillac Tax, ending surprise billing, supporting HSA-qualified health plan improvements, advancing policies to promote more affordable, financially sustainable prescription drug prices, encouraging and promoting transparency and accelerating payment and delivery reform in Medicare/Medicaid.
Mar 1, 2019
House Passes Health Account Improvement Bills; Would Expand Pre-Deductible Coverage within Limits
Last week the U.S. House of Representatives passed two broad health account improvement bills (H.R. 6199 and H.R. 6311) that would take effect in 2019 if enacted into law.
Aug 3, 2018
House Ways and Means Committee Moves HSA Improvement Bills Forward
Following June hearings on HSA improvement legislation, yesterday the U.S. House Ways and Means Committee began marking up legislation.
Jul 13, 2018
Joint Letter to House Ways and Means Chair Kevin Brady (R-TX) and Ranking Member Richard Neal (D-MA) Supporting HSA Improvement Legislation
The National Business Group on Health with joint employer groups sent a support letter for HSA improvement legislation in advance of a House Ways and Means Committee markup.
Jul 11, 2018
Working for You in Washington – July 9, 2018
The Business Group's recent policy initiatives include improving health savings accounts, aiding the effort to eliminate Michigan's claims tax, voicing opposition to shifting ESRD Costs from Medicare to employer plans, supporting CMS efforts to improve quality, price transparency and data interoperability and asking the DOL for more clarity on Mental Health Parity disclosure requirements.
Jul 10, 2018
Congress Holds Hearings on HSA Improvement Legislation
On Wednesday and Thursday, the Health Subcommittee of the House Ways and Means Committee and the Joint Economic Committee respectively held hearings to examine legislative proposals to improve HSA accounts and provide increased plan design flexibility to CDHP plan sponsors.
Jun 8, 2018
Letter to Committee Chairs and Ranking Members Supporting HSA Improvement Legislation
The National Business Group on Health (Business Group) sent a letter to two important Congressional Committees in strong support of legislation (H.R. 5138, the Bipartisan HSA Improvement Act) that would make many important health savings account (HSA) improvements and increase their value to employees and their families.
Jun 8, 2018
Public Policy Webinar: Update on ACA, Mental Health Parity, and Other Regulatory/Compliance Topics
During this webinar, we discuss recent regulatory developments that affect group health plans, including agency guidance on the ACA, mental health parity, and HSA/HDHPs.
May 18, 2018
IRS Issues Inflation-Adjusted HSA/HDHP Amounts for 2019
The IRS Issued Inflation-Adjusted HSA/HDHP Amounts for 2019.
May 10, 2018
Public Policy Alert: HSA/HDHP Update
For the 2018 calendar year, taxpayers can retain the $6,900 family HSA contribution limit.
Apr 26, 2018
Working for You in Washington – April 3, 2018
Working for You in Washington – April 3, 2018
Apr 3, 2018
Bill Would Make it Easier to Cover Chronic Care with HSAs
Bill Would Make it Easier to Cover Chronic Care with HSAs
Mar 20, 2018
Public Policy Alert: HSA/HDHP Update
Effective for the 2018 calendar year, the family HSA contribution limit is $6,850.
Mar 7, 2018
Letter Thanking Members of Congress for HSA Improvement Bill
This letter thanks the sponsors of bipartisan legislation that would ensure HDHPs/HSAs participants have better access to onsite and retail primary care clinics, enhanced primary care overall, fitness and activity services to promote wellness, as well as chronic disease management.
Mar 1, 2018
Letter Urging Congress to Improve HSAs
Changes are needed to ensure that all employees have equal access to these benefits regardless of whether they have an HSA, and thus Congress should make necessary technical corrections to the IRS code.
Mar 1, 2018
What's Next? 2018 Health Policy Outlook
This webinar will cover the outlook for the future of the excise tax on employer plans, other ACA taxes, the employer mandate, stabilization of the individual market, drug policy, and other areas. We will examine the alternatives and prospects for action on these and other health care issues by Congress and the Administration and the potential impacts.
Jan 26, 2018
NBGH Working for You in Washington
Details of NBGH Advocacy activity in the last month to advance employers' health policy agenda
Dec 19, 2017
Letter to House Ways and Means Chair Kevin Brady (R-TX) and Ranking Member Richard Neal (D-MA) Urging Improvements to Health Savings Accounts
The National Business Group on Health sent a joint letter to House Ways and Means Committee leadership urging Congress to include important HSA policy improvements in end of the year spending legislation.
Nov 20, 2017
Letter to Senate Finance Chair Orrin Hatch (R-UT) and Ranking Member Ron Wyden (D-OR) Urging Improvements to Health Savings Accounts
The National Business Group on Health sent a joint letter to Senate Finance Committee leadership urging Congress to include important HSA policy improvements in end of the year spending legislation.
Nov 20, 2017
Employer Contributions to Health Accounts for Single Coverage
This Numbers You Need chart looks at how much employers contribute to employees' HRAs and HSAs.
Nov 1, 2017
Trump Administration May Issue Executive Order Soon on Drug Pricing, May Also Expand Exemption from HSA Plan Deductibles for Maintenance Medications
Recently, the NY Times reported that the Trump Administration is reportedly weighing issuing an executive order on drug pricing
Jul 3, 2017
Employer Alert: The ACA Out-of-Pocket Maximum: Is Your Plan in Compliance?
This Employer Alert details and provides compliance tips on the ACA's out-of-pocket maximum rules for group health plans.
May 5, 2017
Letter to Senators Hatch and Rubio and Representative Paulsen Supporting Recently Introduced Health Account Improvement Bills
The National Business Group on Health sent a letter to Senators Orrin Hatch (R-UT) and Marco Rubio (R-FL) and Representative Erik Paulsen (R-MN) supporting legislation (S.403 and H.R.1175) that would make important health account improvements and increase their value to employees.
Mar 3, 2017
Bicameral Bill to Improve HSAs Introduced
Recently, Senators Orrin Hatch (R-UT) and Marco Rubio (R-FL) and Representative Erik Paulsen (R-MN) introduced a HSA improvement bill.
Feb 28, 2017
National Business Group on Health's Position Statement on Health Accounts
The National Business Group on Health supports regulatory and legislative efforts to promote consumer-directed health care and health accounts.
Aug 15, 2016
Representative Erik Paulsen (R-MN) Introduces Scaled-Back HSA Improvement Bill
Recently, Representative Paulsen introduced a scaled-back version of his HSA improvement bill following legislative inaction on a broader bill introduced in February.
Jun 29, 2016
CDHPs with Health Savings Accounts Are Most Popular
This Numbers You Need chart contains information on how CDHPs differ by employer.
Dec 4, 2015
Rubio Would Allow Employee Choice and Equalize Tax Treatment of Individual and Employer Coverage
Some Presidential candidates, most notably Senator Rubio (R-FL) and Governor Walker (R-WI), have started outlining their health care proposals as the 2016 nomination process moves forward.
Aug 27, 2015
Supporting Low-Wage Employees in a Consumerism World
This issue brief summarizes recent studies on health care utilization among CDHP members with and without health accounts. It then provides employers with strategies and tactics to encourage appropriate use of health care among low-wage and hourly employees.
Oct 31, 2014
Consumer-Directed Health Care: The Employer Perspective
Current information on all aspects of Consumer-Directed Health Care, including health savings accounts, health reimbursement arrangements, and high-deductible health plans.
Aug 12, 2014
On-site Health Centers and Health Savings Accounts (HSA)
The purpose of this survey was to determine how employers with health savings accounts and on-site health centers charge for services. Forty-five members of the Business Group responded to this survey.
Jun 11, 2014
IRS Issues Guidance on Health FSA Carryovers and HSAs
The Internal Revenue Service’s Office of Chief Counsel issued two memoranda on (1) health flexible spending arrangement (health FSA) carryovers and health savings account (HSA) eligibility and (2) correction procedures for improper health FSA payments
Mar 31, 2014
The New Health Care Imperative: the 19th Annual Employer Survey on Purchasing Value in Health Care Executive Summary
The National Business Group on Health/Towers Watson Employer Survey on Purchasing Value in Health Care looks at how employers are viewing health benefits in an era of transformation. This executive summary provides an overview of key finding from this year's survey.
Mar 5, 2014
IRS Issues Guidance on Cafeteria Plan and HSA Rules for Same-Sex Spouse Benefits
On December 16, 2013, IRS issued Notice 2014-1, which provides additional guidance on the federal tax treatment of same-sex spouse benefits under cafeteria plans and HSAs.
Dec 18, 2013
Just the Facts: Funding Health Savings Accounts
Provides an overview of large employers' approach to contributing to health savings accounts, including: timing, incentives and average amounts.
Dec 4, 2013
Controlling Health Care Spending in the United States
Looks at the drivers of health care spend and provides solutions that will help control costs and improve quality and effectiveness of care. This material is prepared to be adapted or customized for the unique culture and challenges of your company.
Oct 31, 2013
Your CDHP Toolbox: Taking Enrollment to the Next Level
Short of moving to full replacement, tactics that employers can adopt to move the needle past 20% enrollment.
Jun 30, 2012
New Medicare Part D Creditable Coverage Notice Requirements and OTC Drug Plan Amendment Deadline
Because the Patient Protection and Affordable Care Act (ACA) changed the Medicare Part D election period to October 15 - December 7, plan sponsors now, beginning in 2011, must provide notices of creditable and non-creditable coverage to Medicare-eligible individuals before October 15th each year. Also, the deadline for adopting Cafeteria Plan Amendments to prohibit reimbursement of over-the-counter drugs is June 30, 2011.
Jun 3, 2011
IRS Says People May Use Health Accounts to Pay for Breast Pumps and Lactation Supplies
Recently, the IRS announced that people may use their health accounts [flexible spending accounts (FSAs), health reimbursement arrangements (HRAs), or health savings accounts (HSAs)] to pay for breast pumps and lactation supplies.
Feb 11, 2011
The Internal Revenue Service (IRS) Releases Additional Rules on HSA Comparable Contributions
IRS Clarifies Comparable Contribution Rules for Health Savings Accounts (HSAs) and Announces Filing Requirements for Excise Tax Penalties.
Sep 10, 2009
IRS HSA Guidance on Worksite Clinics and Other Issues
New IRS guidance on health savings accounts formalizes view that limited care at on-site clinics is ok. The Treasury Department/IRS announces new limits for HSAs in 2009.
Jul 1, 2008
Employers May Offer Care at On-Site Health Clinics to Employees Who Have Health Savings Accounts under Limited Circumstances
Describing what employers can do and what the law does not permit when offering on-site health clinic services to HSA-eligible employees. It also discusses the political outlook for increased flexibility in Congress.
Apr 30, 2008
IRS Rules on HSA Employer Contributions
The Internal Revenue Service (IRS) published final regulations on meeting the employer comparable contributions requirement when employees have either not established their HSA accounts by December 31st or have not notified their employers that they have opened their HSA accounts.
Apr 22, 2008
IRS and Treasury Issue Guidance on Rollovers from FSAs and HRAs to HSAs
New IRS/Treasury Department guidance provides details to employers on how to amend their health flexible spending account (FSA) and health reimbursement arrangement (HRA) plans to permit a one-time roll over to health savings account (HSA) before 2012.
Feb 19, 2007
Congress Passes Legislation Enhancing HSAs; President Signs
The Tax Relief and Health Care Act of 2006 includes the following provisions that improve health savings accounts (HSA): increases HSA contribution limits, requires earlier cost of living adjustment for HSA limits and describes rules for HSA coverage during flexible spending account (FSA) 2-1/2 month grace period, contributions for mid-year enrollment, employer contributions for lower paid fees, and rollovers from other accounts to HSAs.
Dec 11, 2006
IRS Finalizes HSA Comparable Contributions Rules
Details of the final rules for employer contributions to employees' health savings accounts (HSAs).
Aug 1, 2006
Katrina Tax Bill Clarifies that the Same Definition of Dependent Used for Health Plans Applies to HSAs
Congress recently passed a tax bill that includes a provision that exempts Health Savings Accounts (HSAs) from the new (2004) definition of dependent, created by the Working Families Tax Relief Act of 2004.
Dec 21, 2005
IRS Issues Guidance on Coordinating HSAs with FSA Two and a Half Month Grace Period
The IRS issued long-awaited guidance that gives employers who have elected to extend employees' health care flexible spending accounts (FSAs) into the next year an option that will not disqualify employees from also contributing to a health savings account (HSA) during the FSA grace period.
Nov 23, 2005
New IRS Guidance Clarifies HSA Eligibility When Spouse Carries Non-High Deductible Family Coverage
Policy Alert - April 14, 2005
Apr 14, 2005
Law Expands Military Reservists’ Options for Continued Health Coverage and Introduces Employer Notice Requirement
The Act contains changes in military reservists’ options for continued health coverage and a notice requirement for employers.
Dec 15, 2004
Treasury Department and IRS Release Final Guidance on Health Savings Accounts (HSAs)
Policy Alert - July 27, 2004
Jul 27, 2004
Treasury Department and IRS Issue Guidance on Coordination of Health Savings Accounts (HSAs) with Other Health Accounts
Policy Alert - May 14, 2004
May 14, 2004
Department of Labor Says HSAs are Generally Exempt from ERISA
Policy Alert - April 15, 2004
Apr 15, 2004
Treasury Department and IRS Issue Additional Guidance on Health Savings Accounts (HSAs)
This second set of guidance on Health Savings Accounts (HSAs) covers preventive care, prescription drug coverage, and special circumstances for HSAs opened in 2005.
Mar 30, 2004
Initial IRS Guidance on Health Savings Accounts Released
This first round IRS guidance, released last month, provides general information and primarily covers the non-controversial aspects of HSAs.
Jan 22, 2004
Just-Passed Medicare Law Creates New Tax Favored Health Accounts Beginning
Policy Alert - December 4, 2003
Dec 4, 2003

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