William Stuart

My books are a marriage of two distinct forces:

First, my love of and expertise in writing gained over half a century of academic papers, newspaper articles and editorials, blogs, white papers, and books. Whether I’ve been a newspaper writer or a business leader, I’ve always found a way to weave writing for a broad audience into my range of responsibilities. One of my great strengths, I’m told, is my ability to break down complex concepts into easy-to-understand examples. When dealing with the federal tax code, as we do with Health Savings Accounts, this ability benefits the reader.

Second, my appreciation and deep knowledge of Health Savings Accounts, a spectacular financial opportunity unmatched in the federal tax code. I’ve worked with these accounts since their inception in 2004 and hold leadership positions in industry trade groups dedicated to Health Savings Account advocacy and compliance.

Whether you are a financial or retirement professional, an employer, or an account owner, my books will help you understand and appreciate this opportunity.

"HSAs: The Tax-Perfect Retirement Account" is written for financial, investment, and retirement professionals, although others can benefit from the concepts as well. My goal is to demystify these accounts and help these advisors understand how to help their clients position Health Savings Accounts within their financial portfolios. The book is divided into two distinct sections. In the first, the reader learns about the financial and tax benefits of Health Savings Accounts, including comparisons with other tax-advantaged accounts. In the second, we explore the rules around eligibility, contributions, distributions, and administration of Health Savings Accounts. The book includes more than 100 examples to illustrate key points.

"How to Use Your Health Savings Account" (to be published August 2023) is designed to help account owners use their medical plan and navigate Health Savings Account rules. It draws on more than a decade of experience that my family and I have accumulated in shopping for care. A single tip from this book – for example, when and how to shop based on price, or how to phrase a question to ensure that your service will be covered at the in-network benefit level – can save you many times the price of the book.

"Health Savings Account Frequently Asked Questions" is a valuable resource for anyone who owns or recommends these accounts. It’s a rewrite of my first book, which was privately published and distributed in 2012. The format – a question, an answer in plain English, and a citation to support the answer – makes it easy for anyone to understand what are otherwise complex compliance questions. The book includes dozens of tips to help owners manage their accounts optimally.

Be sure follow me on LinkedIn (https://www.linkedin.com/in/william-stuart-hsa-guru/). I publish several original articles weekly on Health Savings Accounts.