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This document summarizes a U.S. Senate hearing on health savings accounts (HSAs) and the new Medicare law. The hearing had two panels that discussed HSAs. The first panel included Treasury Secretary John Snow, who has pushed for full implementation of HSAs. The second panel included experts from organizations like Aetna and the American Medical Association who discussed both benefits and criticisms of HSAs. Some key points made were that HSAs give more control over healthcare to individuals, but they may no

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