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Welcome to the HSA Council

The HSA Council is an organization of banks, insurers and technology leaders committed to increasing the adoption velocity of health savings accounts in the United States. The HSA Council represents its members before Congress, the White House and U.S. Courts in order to preserve the ability of Americans to pay for healthcare using an HSA.

Membership | Newsletter | HSA News and Issues | Additional Resources

HSA Council Membership and Benefits

Subscribe to the HSA Update: go to the ABA E-Mail Bulletins site and select the HSA Update E-Mail Bulletin.

HSA Council's List of Legislation: Updated January 2012, includes legislation the Council supports and opposes.

Top News

Milliman Study Confirms MLR Threat to HSAs - read the press release
From Milliman's study, the primary issues of concern for HDHPs are:
1. The MLR formula doesn't take into account contributions to HSAs
2. HDHPs may not be able to raise rates fast enough to keep up with rising costs.
3. HDHPs have less premium dollars to cover their fixed expenses.
4. HDHPs have less predictable claims experience that could increase the risk of paying rebates.

Milliman Report on MLR and HDHPs/HSAs - Complete Milliman Report

HSA News Highlights

  • Join the HSA Council at the IHC Forum East 2012!
    Register Today to participate in the leading forum dedicated to consumer-driven healthcare.  Please join the HSA Council in Atlanta, April 12-13, 2012 to learn how your business can thrive in the new healthcare market.

  • CRS Releases HSA Rules for 2012
    Read the report, released December 20, 2011.  The Congressional Research Service has updated the rules governing HSAs, including eligibility, qualifying health insurance, contributions and withdraws.  Also included are the changes to HSAs from PPACA.

  • HSA Council Receives Public Policy Leadership Award
    Kevin McKechnie, director of HSA Council, was recently honored with the public policy leadership award, part of the HealthCare Consumerism's Superstar program. The program, run by the Institute for HealthCare Consumerism, was established six years ago and highlights the top CEOs and thought leaders in the health and benefits management industries who go above and beyond the call of duty and provide innovative solutions in the industry. Congratulations, Kevin!

  • White Paper on How the Final Medical Loss Ratio Regulation Creates Challenges for High Deductible Plans
    Read the Paper, by Roy Ramthun, HSA council Consultant and a leading authority on HSAs. 

  • IOM Report on the Essential Health Benefits Package Mandated under PPACA
    Released October 2011, the Institute of Medicine's (IOM) report about the essential health benefits package mandated under PPACA. IOM recommends that HHS develop a list of essential benefits in line with the costs of a typical small-employer plan, and that called for keeping a balance between coverage and affordability. The IOM report is silent on whether or not HSAs should automatically qualify as minimum coverage.
    Read the Report

  • 2012 HSA indexed amounts: Maximum Contribution is $3,100 (individual) and $6,250 (family), Minimum Deductible remains the same at $1,200 (individual) and $2,400 (family), Maximum Out-of-Pocket is $6,050 (individual) and $12,100 (family).

The HSA Council is a joint effort of the American Bankers Association and its insurance subsidiary, the American Bankers Insurance Association

Questions? Please contact Renee Galbraith for more information.