Tax advantaged savings for healthcare: good for your pocketbook, bad for your health?
by Robert Rosenman; Rashmita Basu
International Journal of Behavioural and Healthcare Research (IJBHR), Vol. 5, No. 1/2, 2015

Abstract: Current US law allows two types of tax-advantaged savings accounts, flexible spending accounts and health savings accounts, to pay for healthcare expenses. These tax-advantaged savings offer a financial hedge against future healthcare costs, but may have implications for individuals' choice about healthy behaviour to avoid the risk of future illnesses. We compare tax-advantaged savings to non-tax advantaged savings focusing on the impact on healthy behaviour. We find tax-advantaged savings encourages savings as a hedge against future healthcare costs, but does so at the expense of healthy behaviour, potentially increasing overall societal healthcare costs.

Online publication date: Sat, 29-Aug-2015

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