by Reed Richardson. Ask almost any small business owner about health insurance costs and they’re likely to tell you the same thing. Were Ben Franklin around today, he would have to amend his famous quote “Nothing is certain but death and taxes” to include one more inevitable fact of life: health insurance premium increases. Indeed, the recent figures can be eye-watering. Between 2001 and 2011, health premiums increased 113 percent across all business sizes in the United States, according...

By Reed Richardson Created in January 2004 as part of the Medicare prescription reform law, health savings accounts (HSAs) are sometimes referred to as medical IRAs. These plans are increasingly popular and, according to a May 2005 study by American Health Insurance Plans, more than one million people are now covered under HSA-based health plans.Many insurance companies, local banks, as well as specialized administrators offer HSAs, but be advised, the fees charged to run these plans vary...