EBRI Fast Facts

HSAs Reduce Use of Outpatient Services and Prescription Drugs, Increase Use of Inpatient Services; Overall Spending Unaffected

Jun 6, 2024 2  pages


A recent EBRI report found that health savings account (HSA) plans have mixed effects on use of health care services. In fact, inpatient admissions and days were higher in HSA plans than in preferred provider organizations (PPOs). The additional inpatient admissions do not appear to be coming from emergency department visits, as HSA plan enrollees used emergency departments less than PPO enrollees.  This Fast Fact reviews these and other HSA usage trends.