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Health savings accounts have been around for nearly a decade. Over the years, we’ve seen significant changes as HSAs adapted to the marketplace and to fulfill Americans’ health care needs. As a result, both the number of HSA accounts — and the dollars in them — have risen sharply.

With most of the key provisions of the Affordable Care Act effective Jan. 1, 2014, HSAs stand poised to be reinvented, reinvigorated and rediscovered by a new segment of the population. They will expand at an even greater rate than in the past, presenting a great opportunity for credit unions to bring in new accounts and new customers, including partnering with small businesses.

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