Photo: An employee stands with an artwork by Andy Warhol called 'Dollar Signs', at Sotheby's auction house in London. (AP Photo/Kirsty Wigglesworth)

People simply don’t think of health savings accounts as a long-term option. As a result, they overlook HSAs’ value as a long-term savings tool.

That’s one finding in a study from UMB Healthcare Services, which found that not even one percent of people in the study maxed out their allowable contributions. People are so used to using HSAs the same way they use their flexible spending accounts (FSAs)—which are bound by use-it-or-lose-it rules—that they overlook the long-term nature of HSAs.

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