Employees with HSAs tend to become more involved in their healthcare decision making, which in turn helps your employees become better health care consumers with Health Savings Accounts. More easily drawn upon for emergencies than their IRA counterparts, HSAs can “roll over” year-to-year to create a sizable retirement nest egg, or can be seen as a “rainy day” health care savings plan. These savings are owned by the individual and can move from employer to employer.