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In other words, employers should not look upon HSAs as a “silver bullet” for solving the health care cost problem. If there is to be success, it will depend upon a high level of consumer education. As Blair Woodbury writes on the Bell Policy Center website, “Enrollees have been people with higher incomes than the average American, and the tax deduction for contributions to an HAS provides little or no incentive for low-income people, who have little or no incentive to open an account.”
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