A New Direction
Employee Benefit Adviser, September, 2008 by Molly Bernhart. Illustration by Johnathon Rosen
As consumer-driven health has become mainstream, benefit advisers and HR executives have become well acquainted with account-based plans. The FSA, HRA and HSA comprise what many experts see as a consumer-driven spectrum moving from more employer control (FSA), to more individual control by the employee (HSA).
HSAs tend to hog the spotlight, as the newest and most revolutionary of the three plans. What's more, FSAs may be losing some adviser interest. In this year's Employee Benefit Adviser Broker Survey, only 14% of respondents said they had the most success selling FSAs - putting the accounts even with HRAs and below HSAs, with 24%.
Fear not. FSAs are still useful products for employers and card technology advances have given them a makeover of sorts. For...
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