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Healthsavingsaccounts can be a good deal for employees. High deductible health plans (HDHPs) are on the rise as a growing number of employers turn to consumer-directed health plans to try to curb costs—the portion of employees enrolled in HDHPs rose from 26.3% Treat the HSA More Like a 401(k) than an FSA.
For example, in 2006, IBM faced lawsuits over its shift from a traditional pension plan to a cash-balance plan, a change that allegedly discriminated against older workers. Recent changes have modified the guidelines concerning pre-tax contributions to various benefits packages , such as 401(k)s and HealthSavingsAccounts (HSAs).
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