After 14 years in the marketplace, why are HSAs not more widely used by employers and individuals? Maybe employees and employers have some questions that aren't being answered. Here's how to help. (Photo: Shutterstock)

Health savings accounts (HSAs) have been around three years longer than the iPhone. Congress approved the innovative plans in 2003, and they became law in January 2004.

So after 14 years in the marketplace, why are they not more widely used by employers and individuals?

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