“The HSA is a band-aid. It’s not a solution,” said Chris Orestis, chief executive of Life Care Funding, a company that helps families pay for long-term care services, and the author of “A Survival Guide to Aging.” “The dollars aren’t very big. For the sick, they’ll blow through that in no time. The only people that this will help are the relatively wealthy who can afford to put away money.”

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