A Health Savings Account (HSA) is an untaxed or tax-deferred savings account. Account-holders can only use HSA money to pay for approved healthcare expenses. Conservatives sold HSAs to the American public as an alternative to health insurance. However, most HSA holders also have health insurance policies.

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The idea at HealthEquity is to replace public and private health insurance with tax-free accounts. The threats to HealthEquity are continually rising healthcare costs and the widespread availability of public and private health insurance plans that cover most Americans’ medical expenses.

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