The health savings account market appears to be slowing, and according to a report from Aite Group, despite HSAs' potential for investment returns and for a position as an alternative retirement savings vehicle, that means that providers will have to adapt to a changing market. According to the report, account growth is forecast at a compound annual growth rate of 14 percent from 2018 to 2022, compared with earlier estimates of 18 percent CAGR from 2016 to 2021. Through 2022, the report says, growth in HSAs will keep the product mix in health benefit accounts changing; they're expected to undercut market share currently held by flexible spending accounts and health reimbursement accounts, becoming the top type of health benefit on offer and making up 43.7 million of 95.4 million accounts by 2022. But as that growth slows, employers and providers might want to keep a few things in mind as they consider future iterations of health benefits. Here are 7 factors the report suggests should be top of mind.