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Lifetime HSAs: The 'Antisocial' Health Reform that's Good for You!
National Center for Policy Analysis Health Policy Blog 
[Opinion] Feb. 21, 2017
"Under an individualized lifecycle theory of saving for future health care needs, most young peoples' premium dollars would accrue in their HSAs. Only a small portion of their premiums would go for catastrophic insurance. Over time HSA balances would grow and the ratio of HSA deposits to insurance premiums would decline as one's health risk increases with age."
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