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Payment Cards and the HSA Revolution: A Check-Up on Issuer Opportunities

Published by: TowerGroup

Published: Aug. 29, 2005 - 12 Pages


Table of Contents


TowerGroup Take-Aways




Report Coverage




Introduction




Evolution of the Card-Based Health Payments Market


Exhibit 1: US Consumers Payment Habits in the Medical Office Market: Plastic vs. Paper (2004)

Exhibit 2: US Card-Based and Paper-Based Health Care Account Products (2002-10)




The Rise of Card-Based Health Accounts: Opportunities for FSIs


Exhibit 3: Authorization, Confirmation, and Matching Steps for an FSA Transaction (2005)

Exhibit 4: HSAs Appeal to Banks: A Combination of Card-Based Transactional and Investible Elements (2005)



Exhibit 5: Health Savings Account Payment Processing Value Chain and Key Players (2005)

Exhibit 6: Leading Financial Services Institution/Health Care Partnerships Focused on HSAs (2005)




The Three Revenue Elements of HSAs


Exhibit 7: Areas of Potential HSA Revenue Growth for FSIs (2005)


Administrative Fees

Card/Transaction Fees

Asset Management Fees




Cost and Risk Analysis for HSAs

Demand Curve and Usage

State-by-State Affirmation of Tax Advantages

Rollout/Support and Management Costs




Summary

Abstract

This TowerGroup Research Note considers the rise of plastic payment cards in health savings accounts (HSAs) and flexible spending arrangements (FSAs) and grounds these trends in the growing acceptance of cards in the medical office environment today. It considers the revenuegenerating opportunities that HSAs represent and highlights the differences between FSAs and HSAs from a bank perspective. It also compares the positioning of card-issuing banks with that for asset managers, insurance entities, and third-party vendors to pursue this business. The asset growth and revenue potential of HSAs for FSIs is evaluated.

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