San Francisco, CA, USA
June 17, 2008

HSA Benchmarking Analysis: Market Trends and Economics 

Table of Contents

Return to report Abstract

Executive Summary 3
A Need for Meaningful Information 6
Growth Across the Board 8
  Accounts: A Barometer of Healthcare Market Change 8
  Rising Total Balances: A Foreshadowing of Revenue Growth 9
  Account Balances: Continued Net Gains 10
  Customers Are Wary of Investing Their Healthcare Dollars 14
  Cards Dominate Access 16
Fees Under Pressure 17
  Setup Fees Falling by the Wayside 17
  Monthly Fees Slowly Losing Altitude 19
HSA Economics: Divergent Revenues and Costs 23
  Revenues: Like a DDA, Circa 1995 23
  Costs: Greatest Disparities 25
  Income: Specialists Excel 27
The Front Office: Sales and Customer Service Differences 29
  Distribution: Partnerships Rule 29
  Product Features and Online Support: Behind the Curve 31
Conclusions 33
Appendix 34
  HSA Account Features and Online Support 34
 

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