CAHI strongly believes that offering consumers choice and promoting responsibility are integral components to increasing access to affordable health care. HSAs are an affordable insurance solution for many, they give consumers more control over how they spend their health care dollars and encourage people to be value-conscious health care shoppers.

CAHI opposes the out-of-pocket spending restrictions or mandated benefits that prohibit adoption of HSAs in some states. These barriers should be eliminated for those who take a qualified HSA policy. Legislation proposed by the Bush administration (H.R. 37) would expand HSAs by making the insurance policy tax deductible, making them even more attractive as an alternative to traditional health insurance.

For additional information, including legislative text, lobbying resources and updates on state legislative or regulatory hurdles to HSAs, please see "Federal Legislative Resources" and "HSAs & State Legislation" below.

Federal Legislative Resources
The Health Insurance Affordability Act of 2005 - H.R. 37
CAHI letter of support for H.R. 37

HSAs & State Legislation
In December, 2003, President Bush signed the Medicare Modernization Act which enacted HSAs into law. In some states, however, existing regulations such as mandated benefits and tax laws preclude insurers from selling HSA-eligible high-deductible health insurance policies and/or make HSAs less appealing to consumers.

HSA State Implementation Report

Back to HSA Info Center Home

Disclaimer: The information contained on this website is for informational purposes only and does not constitute legal advice. Transmission, downloading, accessing and/or receipt of these materials does not establish or constitute an attorney-client relationship between CAHI and the recipient. Readers of this information should not act upon any information contained in this site without seeking professional legal counsel.