A while back, we wrote a short primer on health savings accounts, known as HSAs. The Wichita Eagle just reported that adoption of HSAs is still low, largely because there's such a steep learning curve for using this savings-and-insurance vehicle effectively. Health savings accounts can have significant tax benefits for their users, but they often have higher deductibles than a POS plan. That thousand-dollar-or-more deductible may be scary for a lot of people. We offer an HSA to our members who buy health insurance, but most of them still opt for more traditional plan designs. Would you be more likely to consider an HSA if, for example, you could talk to a financial advisor or there were a free educational seminar about how to use it?