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I am looking at Healthcare Savings Accounts and have a couple of questions:

#1 Typically does someone (i.e. the HDHP insurance company or administrator) "negotiate" discounts from the healthcare providers?

#2 Are there any restrictions or tax consequences for a person joining Medicare when they reach age 65 if they previously had a HSA?

I have been looking at the Treasury Department site ( for HSAs, but would be interested in other references including insurance companies.

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