HSA Owner’s Manual – Paperback 2nd ed.


by Todd Berkley

This book is the owner’s manual that did not come with your HSA. Health Savings Accounts are becoming a more common part of average Americans’ lives. Paired with HSA-qualified health plans, they cover a growing number of Americans’ health care costs. And the trends indicate that they’ll become an even more important part of more people’s health care in the future.


So where do you turn for complete information on remaining compliant with HSA rules and regulations and maximizing the short-term and long-term tax advantages of your HSA? Right here, with this book. HSA Owner’s Manual is the most comprehensive guide to HSAs available anywhere.


This book is the owner’s manual that did not come with your HSA. If you follow the advice in this book, you’ll keep your HSA in compliance with current HSA rules and regulations. You’ll also learn about sources of updated information as the IRS releases new rules and interpretations and as the Department of Health and Human Services issues health care reform regulations that impact HSAs. Your HSA trustee may offer similar information, but probably not in an easy-to-understand format and certainly not in a single volume.


In addition, this book delivers information that no HSA trustee offers—strategies to help you maximize your financial opportunity as an HSA accountholder. You’ll learn how to integrate your HSA into your short-term tax savings and long-term asset building strategies. You’ll receive information that will help you determine when you should use your HSA as a reimbursement account and when you’ll benefit from utilizing it as a long-term financial asset.


May your journey through the pages of this book reduce your confusion about your HSA and help you embrace it to unlock its hidden value for your long-term financial health.

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Jonathan Field, Managing Editor, The Institute for HealthCare Consumerism
“With the many restrictions and regulations around the use of health savings accounts, the introductory materials provided to consumers are often woefully insufficient. Fortunately, Todd Berkley, president of HSA Consulting Services and one of the nation’s most respected HSA experts, has filled in the gap with his recently published HSA Owner’s Manual, the Rosetta Stone for all things health savings accounts.”  Read the full review here

Individual Book Buyer at Amazon:  “Just finished reading The HSA Owner’s Manual written by Todd Berkley. Not only was it full of useful information, but it came with directions on how to read it properly. It spoke to my situation and gave clear descriptions on the rules of HSA accounts and how to maximize the benefits of it when used with an FSA. I look forward to putting the information received and suggestions to use in 2015 moving forward.”

CDH Industry Insider at Amazon: “Anyone considering an HSA, offering an HSA, or otherwise in the health and financial benefits world needs this book. Super informative and has become my go-to source for how Health Savings Accounts work.”

Another CDH Industry Insider at Amazon: “Great book! Provides detailed information in an easy to consume format. The book provides answers for the most novice HSA consumer as well as for the more experienced HSA expert.”


Roy Ramthun (“Mr. HSA” led the U.S. Treasury Department’s implementation of the HSA program after they were enacted into law in 2003): Better late than never, Todd Berkley has produced the “owners manual” for HSAs that is so long overdue. It is easy to understand and should help many Americans understand the benefits and rules associated with HSAs. Mr. Berkley’s understanding and passion for HSAs shines brightly, showing the path to maximizing one’s opportunities with an HSA. I highly recommend this book to anyone owning or contemplating a health savings account.”

Kevin McKechnie, Founder and Executive Director of American Banker Association’s HSA Council: Todd Berkley’s expertise as a banker is exceeded by his grasp of insurance issues. Berkley is the go-to person for compliance questions, and knows the intricacies of IRS guidance cold, making him an extraordinarily valuable asset to our industry. The Affordable Care Act and its implementing regulations are an impenetrable morass of confusing mandates unless you know how to reach Berkley. This book allows everyone to reach him.

Dan Perrin , President of the HSA Coalition: Todd Berkley has been one of the key founding executives of the HSA industry, and is one of a handful of Americans who can answer any question you have about the inner-workings of an HSA, or their interaction with the IRS regulations, or new regulations from the Affordable Care Act. Berkley has a knack for Keep It Simple Stupid, but the key to that is also make it accurate, which he does in spades.

Berkley is also really good at seeing what is coming over the horizon for HSAs, mainly because he is a trusted intermediary between HSA competitors giving him insights into a broad swath of market information to which very few have access. ”