The discussion aims to explore why health savings accounts are failing to control health care costs effectively.
Analysis of the current health insurance environment
Evaluation of health savings accounts rationale and effectiveness
Health savings accounts are not effectively controlling costs as initially intended
Changing insurance factors reduce the effectiveness of HSAs in cost management
Abstract
This JAMA Forum discusses the rationale for health savings accounts (HSAs), the changing health insurance environment, and the reasons why HSAs are no longer containing costs.