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Health savings accounts are going mainstream. According to the 2010 Consumer Benchmark Survey, over 76 percent of respondents had an HSA-compatible health care plan. Of those, nearly 85 percent also had an HSA.

The accounts were most popular among people paying for their own coverage. Half of respondents covered on an individual plan had an HSA, while 42.7 percent of those covering between two and four people had one. More than 57 percent of people with an HSA or an HSA-compatible plan are over 45.

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