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Behind the Spend Report 2025

What New HSA Data Tells Us About Healthcare, Inflation, and Consumer Stress

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Healthcare costs are rising. Inflation is squeezing budgets. Employees are skipping care and draining savings to stay afloat.

This report reveals what that actually looks like, based on millions of real HSA transactions and new national survey data.

Key Insights from the Report:

  • 13% increase in HSA withdrawals year-over-year

  • Only 20% of HSA assets retained—signaling urgent, not strategic, use

  • 84% of Americans say healthcare costs are blocking financial goals

  • 63% have skipped doctor visits due to cost

  • OBBB legislation expands HSA eligibility to Bronze/Catastrophic ACA plans and adds telehealth + DPC as qualified expenses (effective 2026)

Fill out the form to access the complete report and uncover what rising healthcare costs mean for your people and your strategy.