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"disqusTitle": "Healthy SF: Not So Healthy Financially",
"title": "Healthy SF: Not So Healthy Financially",
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"content": "\u003cfigure id=\"attachment_311\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/Stethoscope_Flickr_Credit_a.drian_.jpg\">\u003cimg class=\"size-medium wp-image-311\" title=\"(Flickr:a.drian)\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/Stethoscope_Flickr_Credit_a.drian_-300x300.jpg\" alt=\"(Flickr:a.drian)\" width=\"300\" height=\"300\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Flickr:a.drian)\u003c/figcaption>\u003c/figure>\n\u003cp>Four years ago, the City of San Francisco launched an ambitious attempt at health care coverage for all. Today, the \u003ca title=\"Healthy SF - SF Public Press\" href=\"http://sfpublicpress.org/news/2011-11/san-franciscos-universal-health-plan-reaches-tens-of-thousands-rests-on-unstable-funding\" target=\"_blank\">\u003cem>San Francisco Public Press\u003c/em> devotes its winter edition\u003c/a> to an analysis of how well \"\u003ca title=\"Healthy San Francisco\" href=\"http://www.healthysanfrancisco.org/\" target=\"_blank\">Healthy San Francisco\u003c/a>\" is working. While tens of thousands of previously uninsured people have enrolled, and now have health care access they did not have before, the costs have been daunting.\u003c/p>\n\u003cp>In the \u003cem>Public Press\u003c/em> report \u003ca title=\"Stephen Shortell UC Berkeley\" href=\"http://blogs.berkeley.edu/author/sshortell/\" target=\"_blank\">Stephen Shortell\u003c/a>, Dean of the UC-Berkeley School of Public Health appropriately summarized the problem, \"Healthy San Francisco is a model for health care delivery, but not for payment.\"\u003c/p>\n\u003caside class=\"pullquote alignleft\">“The program is very, very important, but I think we should recognize that it does not pay for the care of the population.”\u003c/aside>\n\u003cp>Healthy SF is not insurance. Instead, it is access to community clinics and other safety net providers, but only those in San Francisco. Participants are not covered if they visit providers outside San Francisco. It is largely uninsured adults, people who earn too much money to qualify for Medi-Cal, who have signed up. In a state where more than 20 percent of people lack health insurance, only three percent of San Franciscans now are without health care. The Public Press reports that many people who had not seen a doctor in years are now receiving treatment.\u003c/p>\n\u003cp>\u003c!--more-->But, in its detailed report, the \u003cem>Public Press\u003c/em> gets at the strains on community clinics.\u003c/p>\n\u003cblockquote>\u003cp>Participating nonprofit community clinics in the network have been shouldering part of the financial burden. That may be a problem in an economy where health care costs are rising twice as fast as inflation. Some clinics say they are tapped out, and the $114 per-patient per-year reimbursement they get from Healthy San Francisco doesn’t come anywhere close to covering costs.\u003c/p>\n\u003cp>“The program is very, very important,” said Karen Hill, administrative director of Glide Health Services, a large, busy nonprofit community health clinic in the Tenderloin whose base of 3,000 patients includes 1,500 Healthy San Francisco members. “But I think we should recognize that it does not pay for the care of the population.”\u003c/p>\n\u003cp>At last count, Healthy San Francisco covers 54,348 patients, about two-thirds of the estimated 82,000 San Francisco adults who lack insurance, according to a September report from Mathematica Policy Research of Princeton, New Jersey. (Estimates range widely from 64,000 to 90,000 uninsured adults aged 18 to 64.)\u003c/p>\n\u003cp>In a survey of patient satisfaction, 94 percent said they were satisfied with the medical care they received through the program.\u003c/p>\n\u003cp>But clinic directors say that while the program has been great for patients, the clinics themselves struggle to deliver care to ever-growing numbers of people. Some clinics have seen their patient base grow by a third since 2007.\u003c/p>\n\u003cp>Healthy San Francisco has laudable goals, said Ricardo Alvarez, medical director of the Mission Neighborhood Health Center, and “has expanded care to a vulnerable underserved population.”\u003c/p>\n\u003cp>But for clinics to make it work, Alvarez said, “it is challenging financially.”\u003c/p>\n\u003cp>Several clinics, such as Lyon-Martin Health Services in Hayes Valley, have stopped taking more Healthy San Francisco patients. The center was already under financial stress this year, and announced earlier this year it had been on the brink of bankruptcy.\u003c/p>\n\u003cp> \u003c/p>\u003c/blockquote>\n\u003cp>\u003cem>Public Press\u003c/em> details the different funding streams and explains the budgetary shortfalls. But it also points to potential savings.\u003c/p>\n\u003cblockquote>\u003cp>Shifting to the patient-centered model has also dramatically cut the use of city emergency rooms for routine care by the program’s participants. Proponents say that in the long run emergency room “diversion” — catching illness before it becomes acute — has the potential to save the city millions of dollars a year because emergency care is inevitably more expensive.\u003c/p>\u003c/blockquote>\n\u003cp>\u003cem>Public Press\u003c/em> doesn't address how great those potential savings could be, but it seems unlikely that ER diversions would save enough to offset the cost of covering tens of thousands of people in community clinics.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>The Public Press\u003c/em> also reports on Healthy SF's implementation of \u003ca title=\"http://sfpublicpress.org/news/2011-11/medical-records-supporting-san-franciscos-universal-care-add-millions-to-official-cost\" href=\"http://sfpublicpress.org/news/2011-11/medical-records-supporting-san-franciscos-universal-care-add-millions-to-official-cost\" target=\"_blank\">electronic medical records\u003c/a> and the\u003ca title=\"http://sfpublicpress.org/news/2011-11/some-employers-drop-private-health-plans-for-san-franciscos-subsidized-public-option\" href=\"http://sfpublicpress.org/news/2011-11/some-employers-drop-private-health-plans-for-san-franciscos-subsidized-public-option\" target=\"_blank\"> troubling decline of employers providing health insurance\u003c/a> and instead are opting for a less expensive way to meet the requirements of the law.\u003c/p>\n\n",
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"excerpt": "Four years ago, the City of San Francisco launched an ambitious attempt at health care coverage for all. Today, the San Francisco Public Press devotes its winter edition to an analysis of how well Healthy San Francisco working. While tens of thousands of previously uninsured people have enrolled, and now have health care access they did not have before, the costs have been daunting.\r\n\r\nStephen Stortell, Dean of the UC-Berkeley School of Public Health appropriately summarized the problem in the Public Press report, \"Healthy San Francisco is a model for health care delivery, but not for payment.\"",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_311\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/Stethoscope_Flickr_Credit_a.drian_.jpg\">\u003cimg class=\"size-medium wp-image-311\" title=\"(Flickr:a.drian)\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/Stethoscope_Flickr_Credit_a.drian_-300x300.jpg\" alt=\"(Flickr:a.drian)\" width=\"300\" height=\"300\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Flickr:a.drian)\u003c/figcaption>\u003c/figure>\n\u003cp>Four years ago, the City of San Francisco launched an ambitious attempt at health care coverage for all. Today, the \u003ca title=\"Healthy SF - SF Public Press\" href=\"http://sfpublicpress.org/news/2011-11/san-franciscos-universal-health-plan-reaches-tens-of-thousands-rests-on-unstable-funding\" target=\"_blank\">\u003cem>San Francisco Public Press\u003c/em> devotes its winter edition\u003c/a> to an analysis of how well \"\u003ca title=\"Healthy San Francisco\" href=\"http://www.healthysanfrancisco.org/\" target=\"_blank\">Healthy San Francisco\u003c/a>\" is working. While tens of thousands of previously uninsured people have enrolled, and now have health care access they did not have before, the costs have been daunting.\u003c/p>\n\u003cp>In the \u003cem>Public Press\u003c/em> report \u003ca title=\"Stephen Shortell UC Berkeley\" href=\"http://blogs.berkeley.edu/author/sshortell/\" target=\"_blank\">Stephen Shortell\u003c/a>, Dean of the UC-Berkeley School of Public Health appropriately summarized the problem, \"Healthy San Francisco is a model for health care delivery, but not for payment.\"\u003c/p>\n\u003caside class=\"pullquote alignleft\">“The program is very, very important, but I think we should recognize that it does not pay for the care of the population.”\u003c/aside>\n\u003cp>Healthy SF is not insurance. Instead, it is access to community clinics and other safety net providers, but only those in San Francisco. Participants are not covered if they visit providers outside San Francisco. It is largely uninsured adults, people who earn too much money to qualify for Medi-Cal, who have signed up. In a state where more than 20 percent of people lack health insurance, only three percent of San Franciscans now are without health care. The Public Press reports that many people who had not seen a doctor in years are now receiving treatment.\u003c/p>\n\u003cp>\u003c!--more-->But, in its detailed report, the \u003cem>Public Press\u003c/em> gets at the strains on community clinics.\u003c/p>\n\u003cblockquote>\u003cp>Participating nonprofit community clinics in the network have been shouldering part of the financial burden. That may be a problem in an economy where health care costs are rising twice as fast as inflation. Some clinics say they are tapped out, and the $114 per-patient per-year reimbursement they get from Healthy San Francisco doesn’t come anywhere close to covering costs.\u003c/p>\n\u003cp>“The program is very, very important,” said Karen Hill, administrative director of Glide Health Services, a large, busy nonprofit community health clinic in the Tenderloin whose base of 3,000 patients includes 1,500 Healthy San Francisco members. “But I think we should recognize that it does not pay for the care of the population.”\u003c/p>\n\u003cp>At last count, Healthy San Francisco covers 54,348 patients, about two-thirds of the estimated 82,000 San Francisco adults who lack insurance, according to a September report from Mathematica Policy Research of Princeton, New Jersey. (Estimates range widely from 64,000 to 90,000 uninsured adults aged 18 to 64.)\u003c/p>\n\u003cp>In a survey of patient satisfaction, 94 percent said they were satisfied with the medical care they received through the program.\u003c/p>\n\u003cp>But clinic directors say that while the program has been great for patients, the clinics themselves struggle to deliver care to ever-growing numbers of people. Some clinics have seen their patient base grow by a third since 2007.\u003c/p>\n\u003cp>Healthy San Francisco has laudable goals, said Ricardo Alvarez, medical director of the Mission Neighborhood Health Center, and “has expanded care to a vulnerable underserved population.”\u003c/p>\n\u003cp>But for clinics to make it work, Alvarez said, “it is challenging financially.”\u003c/p>\n\u003cp>Several clinics, such as Lyon-Martin Health Services in Hayes Valley, have stopped taking more Healthy San Francisco patients. The center was already under financial stress this year, and announced earlier this year it had been on the brink of bankruptcy.\u003c/p>\n\u003cp> \u003c/p>\u003c/blockquote>\n\u003cp>\u003cem>Public Press\u003c/em> details the different funding streams and explains the budgetary shortfalls. But it also points to potential savings.\u003c/p>\n\u003cblockquote>\u003cp>Shifting to the patient-centered model has also dramatically cut the use of city emergency rooms for routine care by the program’s participants. Proponents say that in the long run emergency room “diversion” — catching illness before it becomes acute — has the potential to save the city millions of dollars a year because emergency care is inevitably more expensive.\u003c/p>\u003c/blockquote>\n\u003cp>\u003cem>Public Press\u003c/em> doesn't address how great those potential savings could be, but it seems unlikely that ER diversions would save enough to offset the cost of covering tens of thousands of people in community clinics.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>\u003cem>The Public Press\u003c/em> also reports on Healthy SF's implementation of \u003ca title=\"http://sfpublicpress.org/news/2011-11/medical-records-supporting-san-franciscos-universal-care-add-millions-to-official-cost\" href=\"http://sfpublicpress.org/news/2011-11/medical-records-supporting-san-franciscos-universal-care-add-millions-to-official-cost\" target=\"_blank\">electronic medical records\u003c/a> and the\u003ca title=\"http://sfpublicpress.org/news/2011-11/some-employers-drop-private-health-plans-for-san-franciscos-subsidized-public-option\" href=\"http://sfpublicpress.org/news/2011-11/some-employers-drop-private-health-plans-for-san-franciscos-subsidized-public-option\" target=\"_blank\"> troubling decline of employers providing health insurance\u003c/a> and instead are opting for a less expensive way to meet the requirements of the law.\u003c/p>\n\n\u003c/div>\u003c/p>",
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"content": "\u003cfigure id=\"attachment_212\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/Walmart-300.jpg\">\u003cimg class=\"size-full wp-image-212\" title=\"(Illustration by Kaiser Health News from photo by Walmart via Flickr)\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/Walmart-300.jpg\" alt=\"(Illustration by Kaiser Health News from photo by Walmart via Flickr)\" width=\"300\" height=\"199\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Illustration by Kaiser Health News from photo by Walmart via Flickr)\u003c/figcaption>\u003c/figure>\n\u003cp style=\"text-align: justify\">Walmart, the retailing behemoth with nearly 3,500 stores in the U.S., is angling to get into the even more mammoth health care business.\u003c/p>\n\u003cp style=\"text-align: justify\">NPR and Kaiser Health News obtained a 14 page document, a \"Request for Information,\" which indicates Walmart is looking for partners in \"becoming the largest provider of primary healthcare services in the nation.\"\u003c/p>\n\u003cp style=\"text-align: justify\">But, this afternoon, a Walmart executive said that the document had been \"overwritten.\"\u003c/p>\n\u003cp style=\"text-align: justify\">You can listen to NPR's story, as reported by KQED's Sarah Varney, \u003ca title=\"http://www.npr.org/blogs/health/2011/11/09/142156478/wal-mart-plans-ambitious-expansion-into-medical-care\" href=\"http://www.npr.org/blogs/health/2011/11/09/142156478/wal-mart-plans-ambitious-expansion-into-medical-care\" target=\"_blank\">here\u003c/a>.\u003c/p>\n\u003cp>Or you can read the Kaiser Health News story \u003ca title=\"http://www.kaiserhealthnews.org/Stories/2011/November/09/walmart-primary-care-medical-services.aspx\" href=\"http://www.kaiserhealthnews.org/Stories/2011/November/09/walmart-primary-care-medical-services.aspx\" target=\"_blank\">here.\u003c/a>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_212\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/Walmart-300.jpg\">\u003cimg class=\"size-full wp-image-212\" title=\"(Illustration by Kaiser Health News from photo by Walmart via Flickr)\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/Walmart-300.jpg\" alt=\"(Illustration by Kaiser Health News from photo by Walmart via Flickr)\" width=\"300\" height=\"199\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Illustration by Kaiser Health News from photo by Walmart via Flickr)\u003c/figcaption>\u003c/figure>\n\u003cp style=\"text-align: justify\">Walmart, the retailing behemoth with nearly 3,500 stores in the U.S., is angling to get into the even more mammoth health care business.\u003c/p>\n\u003cp style=\"text-align: justify\">NPR and Kaiser Health News obtained a 14 page document, a \"Request for Information,\" which indicates Walmart is looking for partners in \"becoming the largest provider of primary healthcare services in the nation.\"\u003c/p>\n\u003cp style=\"text-align: justify\">But, this afternoon, a Walmart executive said that the document had been \"overwritten.\"\u003c/p>\n\u003cp style=\"text-align: justify\">You can listen to NPR's story, as reported by KQED's Sarah Varney, \u003ca title=\"http://www.npr.org/blogs/health/2011/11/09/142156478/wal-mart-plans-ambitious-expansion-into-medical-care\" href=\"http://www.npr.org/blogs/health/2011/11/09/142156478/wal-mart-plans-ambitious-expansion-into-medical-care\" target=\"_blank\">here\u003c/a>.\u003c/p>\n\u003cp>Or you can read the Kaiser Health News story \u003ca title=\"http://www.kaiserhealthnews.org/Stories/2011/November/09/walmart-primary-care-medical-services.aspx\" href=\"http://www.kaiserhealthnews.org/Stories/2011/November/09/walmart-primary-care-medical-services.aspx\" target=\"_blank\">here.\u003c/a>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"disqusTitle": "FAQs of Health Savings Accounts",
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"content": "\u003cfigure id=\"attachment_115\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/HSA-piggy-bank-3002.jpg\">\u003cimg class=\"size-full wp-image-115\" title=\"(Photo: Kaiser Health News)\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/HSA-piggy-bank-3002.jpg\" alt=\"(Photo: Kaiser Health News)\" width=\"300\" height=\"199\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Photo: Kaiser Health News)\u003c/figcaption>\u003c/figure>\n\u003cp>For millions of Americans with employer-sponsored health insurance, it's open enrollment time. Today, Kaiser Health News offers this helpful \u003ca title=\"http://www.kaiserhealthnews.org/Stories/2011/November/04/frequently-asked-questions-on-health-savings-accounts.aspx\" href=\"http://www.kaiserhealthnews.org/Stories/2011/November/04/frequently-asked-questions-on-health-savings-accounts.aspx\" target=\"_blank\">FAQ on Health Savings Accounts.\u003c/a> HSAs, when teamed with a High-Deductible Health Plan, is on the list of choices consumers are looking at. According to the trade group \u003ca title=\"http://www.ahip.org/content/pressrelease.aspx?docid=33714\" href=\"http://www.ahip.org/content/pressrelease.aspx?docid=33714\" target=\"_blank\">America's Health Insurance Plans,\u003c/a> the number of people using HSAs has increased over the last year.\u003c/p>\n\u003cp>Still, many people can find this option confusing. So, for starters, what is an HSA?\u003c/p>\n\u003cblockquote>\u003cp>HSAs have two basic elements:\u003c/p>\n\u003cul>\n\u003cli>A tax-preferred savings account where money is set aside by the consumer (employers can also contribute) to pay for medical expenses and prescription drugs.\u003c/li>\n\u003cli>A high-deductible health insurance plan. In 2012, that deductible will be at least $1,200 for an individual and $2,400 for a family and as high as $6,050 and $12,100, respectively, according to the \u003ca href=\"http://www.treasury.gov/resource-center/faqs/Taxes/Pages/HSA-2012-indexed-amounts.aspx\">Treasury Department\u003c/a>.\u003c/li>\n\u003c/ul>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cp>Any adult with a high-deductible health plan and no other form of health care coverage can establish one of these accounts.\u003c/p>\n\u003cp>\u003cstrong>How can consumers benefit from HSAs?\u003c/strong>\u003c/p>\n\u003cp>Consumers who participate in HSAs receive certain tax benefits. For instance, individual contributions are tax deductible, and employer contributions also are not counted as taxable income. Account withdrawals, when used to pay for qualified medical expenses, also are not taxed.\u003c/p>\n\u003cp>Meanwhile, the money inside the savings account belongs to the consumer and funds left over at the end of the year are rolled over to the next year. If he or she changes jobs, the HSA stays with that individual. And though not all high deductible plans work the same way, \u003ca href=\"http://www.irs.gov/publications/p969/ar02.html\">by law\u003c/a> plans have the option to cover basic preventive care, such as vaccinations and annual physicals, even if the deductible has not been met.\u003c/p>\n\u003cp>When participants turn 65, any remaining funds can be used -- tax free -- for general retirement expenses.\u003c/p>\u003c/blockquote>\n\u003cp>The full story in Kaiser Health News also includes information for employers, then goes on to detail potential drawbacks for people who use HSAs.\u003c/p>\n\u003cblockquote>\u003cp>Health care policy experts say that while HSAs give consumers control over their medical spending, they are problematic for low-income individuals, especially those with chronic conditions who use the health care system frequently.\u003c/p>\n\u003cp>As financially friendly as the HSA-high-dedutible plan combination may appear, Paul Fronstin, who directs the health research and education program of the Employee Benefit Research Institute in Washington, said there's a catch: They have a \"straitjacket design\" in which consumers are responsible for paying the full-dollar amount of their medical expenses until they meet their deductible. This can be particularly burdensome for people with chronic conditions, like diabetes, that requires ongoing care.\u003c/p>\u003c/blockquote>\n\u003cp> \u003c/p>\n\u003cp> \u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp> \u003c/p>\n\u003cp>\u003c/p>\n\u003cp> \u003c/p>\n\n",
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"content": "\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_115\" class=\"wp-caption alignleft\" style=\"max-width: 300px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/HSA-piggy-bank-3002.jpg\">\u003cimg class=\"size-full wp-image-115\" title=\"(Photo: Kaiser Health News)\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2011/11/HSA-piggy-bank-3002.jpg\" alt=\"(Photo: Kaiser Health News)\" width=\"300\" height=\"199\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Photo: Kaiser Health News)\u003c/figcaption>\u003c/figure>\n\u003cp>For millions of Americans with employer-sponsored health insurance, it's open enrollment time. Today, Kaiser Health News offers this helpful \u003ca title=\"http://www.kaiserhealthnews.org/Stories/2011/November/04/frequently-asked-questions-on-health-savings-accounts.aspx\" href=\"http://www.kaiserhealthnews.org/Stories/2011/November/04/frequently-asked-questions-on-health-savings-accounts.aspx\" target=\"_blank\">FAQ on Health Savings Accounts.\u003c/a> HSAs, when teamed with a High-Deductible Health Plan, is on the list of choices consumers are looking at. According to the trade group \u003ca title=\"http://www.ahip.org/content/pressrelease.aspx?docid=33714\" href=\"http://www.ahip.org/content/pressrelease.aspx?docid=33714\" target=\"_blank\">America's Health Insurance Plans,\u003c/a> the number of people using HSAs has increased over the last year.\u003c/p>\n\u003cp>Still, many people can find this option confusing. So, for starters, what is an HSA?\u003c/p>\n\u003cblockquote>\u003cp>HSAs have two basic elements:\u003c/p>\n\u003cul>\n\u003cli>A tax-preferred savings account where money is set aside by the consumer (employers can also contribute) to pay for medical expenses and prescription drugs.\u003c/li>\n\u003cli>A high-deductible health insurance plan. In 2012, that deductible will be at least $1,200 for an individual and $2,400 for a family and as high as $6,050 and $12,100, respectively, according to the \u003ca href=\"http://www.treasury.gov/resource-center/faqs/Taxes/Pages/HSA-2012-indexed-amounts.aspx\">Treasury Department\u003c/a>.\u003c/li>\n\u003c/ul>\n\u003cp>\u003c!--more-->\u003c/p>\n\u003cp>Any adult with a high-deductible health plan and no other form of health care coverage can establish one of these accounts.\u003c/p>\n\u003cp>\u003cstrong>How can consumers benefit from HSAs?\u003c/strong>\u003c/p>\n\u003cp>Consumers who participate in HSAs receive certain tax benefits. For instance, individual contributions are tax deductible, and employer contributions also are not counted as taxable income. Account withdrawals, when used to pay for qualified medical expenses, also are not taxed.\u003c/p>\n\u003cp>Meanwhile, the money inside the savings account belongs to the consumer and funds left over at the end of the year are rolled over to the next year. If he or she changes jobs, the HSA stays with that individual. And though not all high deductible plans work the same way, \u003ca href=\"http://www.irs.gov/publications/p969/ar02.html\">by law\u003c/a> plans have the option to cover basic preventive care, such as vaccinations and annual physicals, even if the deductible has not been met.\u003c/p>\n\u003cp>When participants turn 65, any remaining funds can be used -- tax free -- for general retirement expenses.\u003c/p>\u003c/blockquote>\n\u003cp>The full story in Kaiser Health News also includes information for employers, then goes on to detail potential drawbacks for people who use HSAs.\u003c/p>\n\u003cblockquote>\u003cp>Health care policy experts say that while HSAs give consumers control over their medical spending, they are problematic for low-income individuals, especially those with chronic conditions who use the health care system frequently.\u003c/p>\n\u003cp>As financially friendly as the HSA-high-dedutible plan combination may appear, Paul Fronstin, who directs the health research and education program of the Employee Benefit Research Institute in Washington, said there's a catch: They have a \"straitjacket design\" in which consumers are responsible for paying the full-dollar amount of their medical expenses until they meet their deductible. This can be particularly burdensome for people with chronic conditions, like diabetes, that requires ongoing care.\u003c/p>\u003c/blockquote>\n\u003cp> \u003c/p>\n\u003cp> \u003c/p>\n\u003cp>\u003c/p>\u003c/div>",
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"info": "Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.",
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"soldout": {
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"title": "SOLD OUT: Rethinking Housing in America",
"tagline": "A new future for housing",
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