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It's not that employees don't care about Health Savings Accounts. It's that they don't seem to understand them. Which is why there are employers whose employees are on high deductible health plans but haven't established an HSA.
Recently a national survey by university researchers on adults enrolled in HDHPs found that nearly 1 in 3 respondents didn't have an HSA. Those who actually were HSA owners weren't contributing to it in 2019, and they were typically lacking education and health insurance literacy.
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