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Alphabet Soup - THE ABCs OF FSAs, HSAs, HRAs A.I.M.s 2nd Annual Health Fair,The ABCs of FSA, HSAs, HRAs,How did we get here? Consumer Driven Health Care The CDHC Tool Box Q United States Census; Bureau of Labor Statistics (2002 Productivity estimated based on first 3 Quarters),Health care costs are growing much faster than productivity (revenue per employee),Source: Hewitt Health Value Initiative; United States Census; Bureau of Labor Statistics (2002 Productivity estimated based on first 3 Quarters),CAGR=3%,CAGR=10%,