Most Americans don’t understand exactly what’s in their healthinsurance plan, but they tend to have a better idea when theymanage some of the costs with a health savings account, according to a newreport from HSA Bank.

For the report, “Health Plan Professionals Envision HSAs and CDH inFuture Healthcare System,” the bank surveyed 326 health planprofessionals and found that the majority of respondents eitherdisagreed (39 percent) or somewhat disagreed (32 percent) with thestatement: “In general, Americans with health plan coverageunderstand how it works.”

However, the survey also found that 45 percent of respondentsbelieve when individuals have an HSA-based consumer-directed healthplan rather than a non-HSA-based plan, their understanding of theirhealth plan coverage improves.

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Katie Kuehner-Hebert

Katie Kuehner-Hebert is a freelance writer based in Running Springs, Calif. She has more than three decades of journalism experience, with particular expertise in employee benefits and other human resource topics.