More than 13.5 million Americans are enrolled in Health Savings
Accounts as of January, 2013, according to an annual census released by
America’s Health Insurance Plans.
Considering the economy, many small businesses are choosing
HSAs to save on healthcare costs for employees and the
company itself. Any healthcare change can be difficult, but many employees have
discovered their HSAs can be as good as, or better than, their previous health
care.
Many of the 13.5 million have discovered that they can use
an HSA to save for future health expenses after they retire. Self-directed HSAs
can provide a unique investment opportunity in the healthcare arena. Anyone
with a self-directed HSA
can invest the funds in real estate, precious metals,
or many other investment alternatives. If the HSA holder has investment
success, the funds will be tax-free to pay for qualified medical expenses.
HSAs can be used as an investment tool, or just as a savings
account and tax break. Especially with the healthcare overhaul, HSAs will
continue to provide many options for Americans in all tax brackets.
