Making sure a company's health savings account benefit succeeds is easier with the help of a broker, advisor, or benefits manager.

HSAs can be a great benefit to employees in good health. Assuming the funds in the HSA aren't needed for medical or related expenses, these accounts are a way for employees to actually put some money aside for retirement.

And remember their other appeal for employers: They don't have to approve medical expenses or sort through accounts, as with FSAs.

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