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Thank you for visiting HSA Ed "America's #1 Educational Resource for
Health Savings Accounts".

As consumer driven health plans continue to expand across the country HSA Ed hopes to provide you with the most up to date information on Health Savings Accounts. Implementing a Health Savings Account program helps you control your health costs and puts you in charge of your family's health care. Please visit our website and let us know if you have any questions or if we can help you in any way. Many questions can be answered in our Health Savings Account FAQ or you can always Ask Mr. HSA.

Roy Ramthun, "Mr. HSA"

Roy Ramthun is President of HSA Consulting Services a health care consulting practice specializing in Health Savings Accounts and consumer-driven health care issues. Prior to forming his consulting practice, Mr. Ramthun was the Special Assistant to the President for Economic Policy at the White House.

As a member of the National Economic Council staff, Mr. Ramthun was the senior health policy advisor to President George W. Bush regarding health care issues involving the Internal Revenue Code (primarily Health Savings Accounts), Medicare, Medicaid, and the Federal Employees Health Benefits Program.

Before joining the President's staff, Mr. Ramthun was the Senior Advisor to the Secretary of the U.S. Treasury for health initiatives. In this role, he led Treasury's implementation of Health Savings Accounts after they were enacted into law in December, 2003.

 

"Thank you very much for making your HSA guidebook available online.  During our company's recent health insurance renewal process, it was invaluable to me and our employees. I needed to educate myself very quickly, and your book was the most clear and comprehensive source I found.  Thanks for sharing your knowledge with us!"
-- T.H. (Indiana)

 "The information you posted online about HSAs is the most clear and comprehensive that I've run across to date.  Good job!"   
-- R.S., San Jose, CA

"Mr. HSA helped me resolve a very complex issue with my HSA. His advice and perseverance really made a difference."
--D.G., Frederick, MD

 

Download Roy Ramthun's: White Paper on How the Final Medical Loss Ratio Regulation Creates Challenges for High Deductible Plans

MLR Regulation Creates Challenges for Future of Affordable Coverage

Bronze plans may be scarce in state insurance exchanges

The final medical loss ratio (MLR) regulations will likely create a vacuum for affordable coverage that

cannot be filled by Bronze plans under the state insurance exchanges. If the “essential benefits” and

“actuarial value” requirements are equally as discriminatory, there will be no affordable options

available and the cost of subsidies will skyrocket. As a result, millions of Americans that have policies

today that could have qualified as Bronze plans will be forced to change their coverage or drop coverage

because they can no longer afford it. (Read on)

 


New 04/17/2013 Get the 2013 Edition of Roy's Book The Common Sense Guide to Health Savings Accounts

 

Congressional Research Service HSA Overview of Rules 2012

06/30/11: Download Roy Ramthun's Op-ed "Taking HSAs to the Next Level" 

New 06/14/11: AHIP has released the latest update of its annual census of the market for health savings accounts (HSAs).    Download a copy of the 2011 Census. As of January 2011, more than 11.4 million Americans were covered by HSA-eligible high deductible health plans (HDHPs), an increase of more than 14 percent from the prior year.

06/07/11: "The Family and Retirement Health Investment Act of 2011" Download Highlights
This bills implifies and enhances Health Savings Accounts (HSAs) and Health Flexible SpendingAccounts (FSAs) by addressing some of the questions and concerns that have been raised since HSAs were first enacted in 2003, but were not addressed by the HOPE Act of 2006.

We are happy to answer your questions concerning HSAs, but maybe we already have the information you're looking for on our website.
 

 

 

Health Reform Impact on CDHPs 07/25/12 UPDATED REPORT

HSAs Continue Rock Solid Growth
Reprint from Califonia Brokers Magazine 08/2008

HSAs are the New IRA
Flint Hills Center Op-Ed

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Lake Geneva, WI 53147

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