America's #1 Resource for
Health Savings Accounts

HSA Consulting Services is a team of HSA and CDHP industry veteran consultants bringing Business, Technology, Operations, Legal and Compliance, Training, Strategy, Sales and Marketing Expertise to all sizes and stages of companies, from startups to industry leading players.

HSA Consulting Services

We are experts in consumer-directed healthcare (CDH) and HSAs, providing invaluable assistance to a wide range of clients that includes banks, fintech, TPAs, benefits administration and investment services companies.

Where we can help:

  • Business, Technology and Operations
    The issues that strike at the heart of your business, and your revenue model, such as technology  and operational resources, determining whether to build a system, rent (SaaS) or buy, and which services to perform in-house or outsource, are significant strategic decisions that can impact your bottom line and ability to compete.
  • Legal and Compliance
    The regulatory responsibilities of CDH arise through the intersection of banking, healthcare, tax and benefits administration, and investing. This creates complexity that requires attention and expertise to navigate and mitigate risk.
  • Advocacy
    Navigating the complex world of legislation, regulations, and advocacy can take countless hours and produce few results.  Our experts track bills introduced in the U.S. Congress and the state legislatures, as well as regulations proposed and administered by federal and state agencies.  Not only are we up on the issues, our experience can help you participate in the process as you seek better outcomes.
  • Training
    Setting up and maintaining a training program to keep your front line employees trained for “one-call” issue resolution can be time and cost consuming.  Our training programs are cost-effective and proven to improve the expertise of the participants who have been through our training programs.
  • Strategy, Sales and Marketing
    With over 50 years combined experience starting and growing businesses in the CDH and HSA industry, we know which strategies work and which don’t, and can save you time and money otherwise wasted on unproductive initiatives.  Sometimes the best answer is the one that isn’t immediately clear.

HSA Consulting Testimonials

Peter Abraham, CEO – Qledgr
Peter Abraham, CEO – Qledgr

HSA Consulting Services has been invaluable in providing both their business and legal expertise to QLedgr.  Their advisory services enable us to evolve quickly as a FinTech Startup. Navigating the legal questions surrounding tax-advantaged accounts can be daunting.  Paul’s expert legal guidance has allowed us to confidently move forward with critical strategic business decisions knowing that we are in legal compliance to provide our innovative solutions.  Itamar and Paul’s introductions to their extensive network of industry leaders have allowed us to form important business relationships with new and potential clients, partners and vendors. As strategic advisors, HSA Consulting Services’ guidance in evaluating potential market opportunities has allowed us to effectively focus on opportunities for growth.

Lisa Poliseno, Director of Account Management – Flores & Associates
Lisa Poliseno, Director of Account Management – Flores & Associates

I have completed the HSA compliance training and certification exam with Roy Ramthun from HSA Consulting Services.  I found the training certification process and material to be very informative and useful.  It challenged my knowledge of HSAs.  It was well worth the time and effort!

Jason Bornhorst, CEO – First Dollar
Jason Bornhorst, CEO – First Dollar

These guys are the real deal. HSA Consulting Services has been a crucial partner to First Dollar as we bring a next-gen HSA to the market. After working with them, I think it would have been difficult to do what we’re doing without involving their team. They bring years of experience from every aspect of the industry – legal, compliance, sales, tech, strategy. They are efficient, quick and I’m pleased to be working with them.

Jaclyn Chen, CEO – Benepass
Jaclyn Chen, CEO – Benepass

Our engagement with HSACS was incredibly insightful and helpful. Paul and Itamar helped us navigate complex compliance, legal, and operational matters while balancing practicality, long-term and short-term strategic decisions. Their decades of industry knowledge were apparent every time we engaged with them, and they helped us build product and go to market faster and with greater confidence.

Our Experts

Roy Ramthun
Roy Ramthun
President and Founder

Roy is a nationally-recognized expert on Health Savings Accounts and consumer-directed health care issues.

Paul Verberne
Paul Verberne
Principal

Paul provides extensive legal, compliance, and business expertise focused on the HSA and CDHP Market.

Itamar Romanini
Itamar Romanini
Principal

Itamar has over 20 years of vast industry experience from operations and technology, to strategy, sales and marketing.

Strategy

We help our clients develop and refine products and services, define target markets and sales strategies, set pricing, formulate sales strategies and initiatives, and grow their business.

Contact us to learn more

Legal and Compliance

We assist our business partners by providing critical expertise and analysis of regulatory compliance risks, effective strategies to manage those risks, and guiding them towards the efficient and competitive solutions, by engaging outside solutions as needed, and drafting strong partner and vendor policies and agreements.

Contact us to learn more

HSA Training

We have been providing HSA Training and our HSA Expert Certification for many years, and have trained and certified teams from new entrants to top providers in the HSA space.  Our training program is comprehensive and proven.

Contact us to learn more

New Entrants

Our team has been advising new market entrants for many years, from seed stage to public companies.  We are well versed in startup stages and can provide “turn-key” services to help you get your CDH and HSA program up and running.

Contact us to learn more

HSA Consulting News

The Customer Identification Program (CIP), also known as “Know Your Customer“ (KYC), is a compliance component of the account opening process where bank trustees/custodians need to, put in simple terms, ensure that the customer is who they say they are.  This is easy to do in person, when they are face to face with the customer at a branch.  HSA providers have many […]

Read More

As many of you know, I track the data needed to make inflation adjustments for Health Savings Accounts from one year to the next. I have accurately predicted the annual adjustments by the Internal Revenue Service for the past 15 years. With the January 13 release of the December inflation figures by the Bureau of […]

Read More

Roy Ramthun and Paul Verberne from HSA Consulting Services welcome Itamar Romanini as their new partner. Itamar brings over 20 years of industry experience in the HSA and CDH space, ranging from operations and technology, to strategy, sales and marketing. This addition expands the scope of capabilities from HSA Consulting Services, which has been focused […]

Read More

HSA Resources

Get in touch with us!