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.

Respondents in both HSA-compatible plans and traditional plans share similar health and income distributions. Over 94 percent of respondents in HSA-compatible plans said they were in average or better health, compared with 93 percent of those in traditional plans. Forty-five percent of people in traditional plans reported annual household income between $25,000 and $74,000, compared with 44 percent of those with HSA-plans.