Ordering Information

$32.99, 7 x 10, softcover, 400 pages, index, supplementary materials
ISBN: 978-1-942155-22-5
To order copies visit Pathway Book Service or call them at 1-800-345-6665.

HSAs: The Tax-Perfect Retirement Account

by William Stuart

Readers’ Comments

“If there is a Medicare or HSA question that no one on Capitol Hill or at the White House or at Health and Human Services can answer, I call Bill Stuart. He is a Medicare quant and he is an HSA quant. I have actually described him that way in meetings on the Hill. Stuart always knows the answer, even when everyone else (including me) doesn’t. Lesson: listen to Stuart. And read his book.”

—Dan Perrin, President, HSA Coalition

“It’s a perfect storm: low financial literacy levels, escalating medical costs, HSA plans the predominant employee benefit strategy. The need for financial advice has never been greater, the help of financial advisors never more necessary. This book is an outstanding tool for
advisors to help their clients optimize their financial futures. A must-read for those advising financial readiness.”

—John Young, CEO, Consumerdriven, LLC

“I consider Bill to be one of my most knowledgeable colleagues in the

—Roy Ramthun, “Mr. HSA,” founder and president of HSA Consulting Services (from the Foreword)

About the Author

William G. (Bill) Stuart has worked with Health Savings Accounts (HSAs) since their inception in 2004. He worked nearly two decades in a variety of roles at Harvard Pilgrim Health Care, a regional health services company named America’s Best Health Plan every year between 2004 and 2013 by the National Committee for Quality Assurance (NCQA). During his last dozen years at Harvard Pilgrim, Bill managed the company’s reimbursement program, including Health Flexible Spending Arrangements (FSAs), Health Reimbursement Arrangements (HRAs), and HSAs.

In 2016, Bill assumed the position of director of strategy and compliance at Benefit Strategies, LLC, a large, independent third-party administrator based in New Hampshire that serves clients throughout the country. Benefit Strategies manages Health FSAs, HRAs, and HSAs and offers commuter reimbursement programs, COBRA administration, direct billing solutions, and tuition and wellness reimbursement programs.

He is also the founder of HSAunited, an educational coalition of benefits advisors, financial professionals, and HSA owners. You can learn more at www.HSAunited.com.

Bill has worked closely with benefits advisors and delivered classroom training to more than 800 benefits advisors. He continued the education process through his highly acclaimed CDH Guru blog at Harvard Pilgrim and more recently with his Health Savings Account GPS blog (www.benstrat.com/blog). He speaks frequently at regional and national conferences on topics ranging from HSA rules and strategies to private marketplaces, medical insurance reform, and becoming and projecting as an expert in a field.

As a member of the American Bankers Association HSA Council, he is active in efforts to enhance HSAs and extend the concept as an option to Medicare—and Medicaid-eligible individuals. This approach offers the potential to increase consumer choice, reduce claims costs, and limit taxpayers’ financial responsibility.

Bill is active in the Employers Council on Flexible Compensation (ECFC). He is a licensed medical insurance broker, is active in the National Association of Health Underwriters (NAHU), and serves on the board of the Massachusetts chapter of NAHU. He meets with members of Congress, congressional staff members, and administration officials to provide information on reimbursement accounts and other issues affecting health-care consumers.

Bill’s first book, Health Savings Accounts: A Practical Guide for Accountholders, published in 2012, is a reference book used by many benefits advisors, employers, and compliance professionals. An updated version is scheduled for publication in summer 2019 under the tentative title Health Savings Account Guide for Account Owners and Employers.

A graduate of Bowdoin College with an MBA from Duke University’s Fuqua School of Business, Bill also studied at Ripon College and the University of Texas at Austin. He lives on the South Shore of Massachusetts with his wife and children. He is an Eagle Scout and serves as a Boy Scout leader.