Financial institutions have been one of the hardest hit industries during the downturn in the economy.  Management is intensely focused on achieving cost savings wherever possible to continue to weather the storm. One area of opportunity for cost savings is health care costs. As a financial institution leader, it is important to consider the benefits and pitfalls of implementing a qualified high deductible health plan (HDHP) and HSAs—both from the perspective of the employer and employee. 

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