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| San Francisco, CA, USA HSAs: Moving Beyond
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| Executive Summary | 03 | |
| The Market Demand | 05 | |
| Shallow Growth Curve | 05 | |
| Employers Increasing HDHP Demand Supply | 06 | |
| Government Impact: Net Positive | 08 | |
| Small Business Not as Eager as Expected | 09 | |
| The Market: Supply | 11 | |
| Models in the Lead Today | 11 | |
| Leading Players and Models | 17 | |
| Ascendant Models | 19 | |
| Growth Inhibitor: Shoddy Construction | 25 | |
| Consumer Knowledge Low and Wariness High | 26 | |
| Customer Service Complaints | 27 | |
| The Fee Challenge | 28 | |
| Growth Hormones: The Remodel | 30 | |
| Architecting a Remodel | 30 | |
| The Next-Generation HDHP | 32 | |
| HSA 2.0 | 33 | |
| Remodel Partnerships | 34 | |
| Glimmer of a Defined Contribution Model | 35 | |
| 2008-2009: Tearing Down and Rebuilding | 37 | |
| Appendix: HSA 101 | 39 | |
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