Health savings accounts are considered a smart financial move for employees who want to--and are able to--put aside money for health care expenses or save and invest money to pay for future health care costs in retirement. And the broker, advisor, or employer who hasn't at least looked into HSAs is missing out on opportunity. Recently there's been some decline in employer excitement over high deductible health plans (HDHPs), which are currently required to have an HSA. Some say HDHPs haven't fulfilled their promise of making employees savvy consumers of health care while saving employers money. And yet that doesn't detract from the benefits an HSA can offer an employee, including portability from employer to employer, and the oft-mentioned "triple tax advantage" of HSAs.

We have excerpted the 11 FAQs on the slides above from the book 2019 Health Savings Accounts Facts, by National Underwriter, our colleagues at ALM Media.