As limits are being imposed on flexible spending accounts starting in 2013, more employers are turning to health savings accounts. Many employers see HSAs as an option to enhance awareness and consumerism of health care costs, but it takes some effort to help employees fully realize how HSAs work.

Traditionally, HSAs have been seen as a type of plan that is best for people with few health issues, but that is not necessarily true, says Paul Ashley, adviser for FirstPerson, an employee benefits firm in Indianapolis. In Ashley's experience, HSAs can benefit all types of people – no matter their health care costs – if they are willing to take an active role in their health and consumption.

"Those who tend to do best with an HSA-style plan are those who understand they have power as a consumer, and they can seek information and be a good consumer of their health care," Ashley says. "People who want to take an active role in their health and their consumption of health costs will benefit from an HSA, so I disagree with the old philosophy. I think the real question is are you someone who wants to take control of their health and be a true consumer in how you use your dollars?"