What’s Ahead in 2008 Concerning Employee Benefits

That said, HSAs are “consumer-directed,” an approach that’s quite foreign to most employees, and one that requires financial management. For most people, this means going from total inattention to cost, to making spending choices. In addition, there is concern that saving for medical expenses may not be particularly appealing to lower-paid employees, and in the case of a high deductible, some consumers may delay seeking medical care when it will do the most good.