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2021 Health Savings Account Landscape

Health savings accounts continue to grow rapidly thanks to increased individual and employer adoption and their unrivaled tax advantages. But choosing one remains challenging. The industry is still young, subject to frequent changes, and opaque. Investors must sift through hundreds of HSAs with limited public resources. For these reasons, Morningstar publishes annual HSA evaluations.

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About the Author

Megan Pacholok

Manager Research Senior Analyst
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Megan Pacholok is a senior manager research analyst for Morningstar Research Services LLC, a wholly owned subsidiary of Morningstar, Inc. She leads target-date strategy research and sits on the Morningstar Analyst Ratings Committee for multi-asset strategies in North America. Ms. Pacholok is an advocate for empowering investor success when saving for retirement and is a regular contributor to research on best practices for maximizing the potential of defined contribution and health savings plans. Her coverage responsibilities also include model portfolios, tax-managed strategies, and income-focused multi-asset funds.

Before joining Morningstar Research Services in 2019, she worked as a product consultant for Morningstar Direct.

Pacholok holds a bachelor's degree in finance and economics from DePaul University.

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