Consumers are figuring out how to use health savings accounts, and the more experience they have with them, the better they like them.

That's what several years of research by the HSA Council of the American Bankers' Association and America's Health Insurance Plans shows. In the latest of three HSA data reviews, the data showed that nearly twice as many people opened an HSA in 2012 as in 2010, an indication that consumers are more aware of the value offered by HSA and are more comfortable using them to manage their health-care expenses.

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Dan Cook

Dan Cook is a journalist and communications consultant based in Portland, OR. During his journalism career he has been a reporter and editor for a variety of media companies, including American Lawyer Media, BusinessWeek, Newhouse Newspapers, Knight-Ridder, Time Inc., and Reuters. He specializes in health care and insurance related coverage for BenefitsPRO.