The guide is intended to help individuals and families better understand what Health Savings Accounts are and how they work, how the HSA-qualified health plans that make people eligible for Health Savings Accounts compare to traditional health insurance, and how to determine whether a Health Savings Account is right for you. A worksheet is included to help compare an HSA plan to a traditional policy.

"Since 2004, I have answered the many questions people have about Health Savings Accounts. Unfortunately, there are many Americans that still have not heard about HSAs, or what they have heard may be incorrect," said Mr. Ramthun. "This guide is an attempt to provide reliable advice and insight so that everyone can have the proper information to determine which health plan is right for their situation."

The guide examines the finer details of HSA accounts and the health insurance policies that accompany them. In each section, a "Buyer's Guide" provides advice, reminders, and important things to consider when examining a Health Savings Account. Additional help is provided through answers to frequently asked questions, definitions of terms that are commonly used with Health Savings Accounts, and a description of additional resources available through the Internet.

You may download a free copy of "The Common Sense Guide to Health Savings Accounts" at HSAed.com - America's #1 Educational Resource for Health Savings Accounts www.hsaed.com.

Roy Ramthun is President of HSA Consulting Services, LLC a health care consulting firm specializing in Health Savings Accounts and consumer-driven health care issues (see also www.hsaconsultingservices.com). Roy Ramthun led the U.S. Treasury Department's implementation of HSAs after they were enacted into law in 2003. President George W. Bush then tapped Mr. Ramthun to be his health care policy advisor at the White House, where he developed the President's proposals to expand HSAs.

As President of HSA Consulting Services, LLC, he continues to be an advocate for consumerism in health care and is a frequent speaker at conferences and seminars around the country. Mr. Ramthun has over twenty years of health care experience, both in government and in the private sector. He holds a Master of Science degree in Public Health from the University of North Carolina, and a Bachelor of Science degree from the University of Michigan. Mr. Ramthun and his family have had an HSA since 2005.