Health savings accounts can be a great tool for consumers to take control of their health care, but they will only be useful if people understand them.  

And understanding HSAs is a tall order, as evidenced by a survey from Fidelity Investments.

Two-thirds (65 percent) of some 1,800 respondents said they simply do not understand how an HSA works, despite the growing number of people who use them. Fidelity surveyed adults who hold the responsibility for making household health benefits decisions.

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