Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

MSA research project

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I am an Executive MBA student at The University of Maryland Smith School of Business. My colleagues and I are currently involved in a project, the subject of which is creating a medical information product to help people with MSA's manage their medical lives. I came across your name via a google search on MSA's. I noted that you lived in Narberth and I live in Philadelphia. I was wondering if I could speak with you at some point about MSA's and our product.

A: I am surprised that you would pick MSAs as a research topic since these have been surpassed by Health Savings Accounts in recent years. I doubt that there are more than 50,000 MSAs in the U.S. today and the number will probably continue to drop each year. Perhaps you meant to say HSA? May I suggest that you read the FAQs and articles at , particular those that compare MSAs to HSAs and the articles on consumer-driven health plans as wider topic and then, yes, I would be willing to give an interview. But it would be more time-efficient for all if you were able to pick up the basics directly online first and then narrow down some topics for further discussion.


More resources: