It's no secret users of health savings accounts are, for the most part, cost-conscious. Research shows users tend to manage their money and health care behaviors more wisely, while keeping costs front-of-mind.

So it makes sense that, according to a new survey, HSA members are worried that the Patient Protection and Affordable Care Act will increase their costs and move them away the forefront of their own health care.

Almost half of HSA account holders (46 percent) think PPACA will increase the overall cost of health insurance, while just 14 percent think it will decrease costs and 12 percent feel it will have no impact, a survey of 23,000 HSA members from Buck Consultants found.

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