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Course description

HSAs are more important than ever with a strong record of growth in both number of accounts and assets. HSAs give financial institutions a new deposit source in the huge and growing healthcare marketplace. Better yet, banks and credit unions are in the best position to win in this emerging yet competitive field.

The key HSA rules can be allocated to a few simple categories that will be covered in the webinar.

  • HSA Eligibility. Although more Americans than ever are eligible to open an HSA, the question of "am I eligible for an HSA?" remains one of the most troublesome questions to answer. Learn how to answer that question confidently, quickly and without liability.
  • Opening an HSA. The rules for opening an HSA are fairly straight-forward, but this is an area that is the custodian's responsibility. So, you have to do it correctly. The webinar will cover issues on the "establishment date," authorized signers, beneficiaries, family/single HSAs, and other key account opening issues.
  • Contributing to an HSA. A lot of HSA owners wisely want to maximize their HSA contribution. The answer to how to do that is more difficult than just referencing the current HSA limits. Gain the knowledge to guide a customer through the process of calculating his or her individual HSA contribution limit.
  • Distributions from HSAs. You'll probably get more questions on what is an eligible medical expense than any other area. The good news is that there are a lot of good answers to this question. Learn the basic distribution rules, the most frequently asked questions and how to handle the questions you have never heard before.
  • Custodial Issues. The webinar will also give an overview of the responsibilities of the HSA custodian. Most of these rules fall into the other categories, but include IRS reporting, fixing mistakes, and tracking HSA balances.


Whitney Johnson

Whitney is the founder of HSA Authority, LLC an HSA solution provider for financial institutions and an Assistant Professor of Business Law at St. Cloud State University. Whitney has worked with HSAs since their introduction and he has started three companies devoted to the compliance and marketing aspects of Health Savings Accounts. Prior to the HSA legislation, Whitney worked with financial institutions for over 17 years. Thirteen of those years were spent at Wolters Kluwer Financial Services/Bankers Systems in various roles; including as a seminar attorney and legal counsel for the Financial Services Division, primarily working with IRA issues. He presents frequently on HSA and IRA topics.Whitney co-authored the IRA Answer Book for Panel Publishing and has written articles for a number of publications; including, the American Banker and the ABA Banking Journal. He also served as an appointed member to IRPAC, an IRS Advisory Board that meets in Washington DC. Whitney serves as an expert witness on the duties and responsibilities of an IRA custodian and trustee.

Course curriculum

  • 1


    • ABCs of HSAs

  • 2


    • Materials

    • Slides

    • Questions and Answers