HSAs appeal as way to curb costs

Dear Dan: Our young business is hard-pressed to afford a full-blown health insurance plan. But our employees need something. Are health savings accounts a good option? – Insurance Shopper Dear Insurance Shopper: The high cost of health insurance consistently ranks as a top concern among small business owners. And solutions have proven hard to come…

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  1. I must be missing something. HSAs just sound like paying my own health expenses to me, albeit with before tax$. That’s not really coverage at all except for those who exceed the deductible. Why not a section 125 plan? Much simpler to administer,also tax exempt, and it provides some real protection?