In this episode, Tom Quigley breaks down one of the most misunderstood acronyms in healthcare — the HSA (Health Savings Account) — and explains why it may be the single smartest way for individuals and certain business owners to fund healthcare in 2026 and beyond. Most people think HSAs are confusing, restrictive, or not worth the effort. Tom flips that narrative completely, walking listeners through what an HSA actually is, how it works, who should use it, who shouldn’t, and why it’s one of the most tax-advantaged tools the government has ever created. This is an educational episode — but make no mistake — it’s also strategic. If you don’t understand HSAs, you’re likely overpaying for healthcare and missing major tax advantages.
Watch This Weeks Episodes Below
HSA Explained: The Most Misunderstood — and Most Powerful — Tool in Healthcare
Also this week:
Following the deep dive on HSAs, this episode tackles the other side of the alphabet soup: FSAs (Flexible Spending Accounts) — the benefit that sounds helpful, looks simple, but often leaves employees frustrated and employers exposed. Tom Quigley breaks down exactly what an FSA is, how it works under the tax code, where it makes sense, and where it absolutely does not. He also explains why FSAs were once popular, why HSAs largely replaced them, and why employers must stop blindly offering FSAs without education. This is a practical, no-BS episode that helps employers and employees avoid costly mistakes — especially as healthcare costs surge in 2026.
FSA vs. HSA: Why One Helps Employees — and the Other Quietly Hurts Them
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If you’re a business owner, HR leader, or employee frustrated with rising premiums and watered-down coverage, this conversation will completely change how you look at group health insurance.
