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Who Would Gain from Expanded Use of Health Savings Accounts?

HSAs attract highincome people who can afford to fund them and reap larger tax benefits

Health savings accounts (HSAs) allow people to save money tax-free for paying certain future medical expenses. A staple of Republican health care proposals for years, HSAs were a key component of the bill recently introduced in the House of Representatives, and subsequently pulled, to repeal and replace the Affordable Care Act. But in a new To the Point post, Georgetown University’s JoAnn Volk and Justin Giovannelli explain it’s unlikely that expanded reliance on HSAs will increase access to health care or that most Americans will be able to realize their tax benefits.

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