Roy Ramthun, Author at Insurance Thought Leadership



Roy Ramthun

Roy Ramthun

Roy Ramthun is a nationally-recognized expert on Health Savings Accounts and consumer-directed health care issues. He led the U.S. Treasury Department’s implementation of HSAs after they were enacted into law in 2003. President George W. Bush then tapped Mr.
Ramthun to be his health care policy advisor at the White House, where he developed the President’s proposals to expand HSAs while overseeing the implementation of the Medicare prescription drug benefit (Part D). As President of HSA Consulting Services, LLC, he continues to be an advocate for consumerism in health care and is a frequent speaker at conferences and seminars around the country.

Mr. Ramthun has over twenty years of health care and public policy experience, both in government and in the private sector. He has served on the staff of the U.S. Senate Committee on Finance and the U.S. Health Care Financing Administration (now known as the Centers for Medicare & Medicaid Services). He also spent eight years with Humana Inc.

Mr. Ramthun holds a Master of Science degree in Public Health from the University of North Carolina, and a Bachelor of Science degree from the University of Michigan. He is also a Visiting Fellow at the Council for Affordable Health Insurance and serves on the boards of several companies and foundations.

Mr. Ramthun is the 2008 recipient of the “Pioneer in Public Policy” awarded by Consumers for Health Care Choices. He and his family have had an HSA since 2005.

Recent Articles by Roy Ramthun

Bending The Pentagon's Medical Costs Curve

The same old proposals for reform won't work The military's health care system known as Tricare is in need of a major overhaul, according to news articles. The cost of military health care has almost tripled since 2001, from $19 billion to $53 billion in 2012, and now represents one-tenth of the entire defense budget. […]

Health Savings Accounts On The Obamacare Exchanges: Early Warning Signs

The State of Vermont recently posted summaries (available here) comparing what residents might pay for different types of coverage under Obamacare starting January 1, 2014. What I see really concerns me and underscores what many have predicted — extremely expensive insurance premiums for 2014. I have had a high deductible health plan and a health […]

Affordable Care Act Brings Changes For Workers And Employers

The passage of the Patient Protection and Affordable Care Act (PPACA) in 2010 proved again that change is constant. HR managers and smaller employers are struggling to keep up with the many changes and requirements under the plan. But the changes are here, and more are on the way in 2014. Here is a quick […]

Is It Better To Pay The PPACA Penalty Or Continue Offering Health Coverage?

When 2014 arrives, employers and their workers must be prepared for the changes brought by the Patient Protection and Affordable Care Act (PPACA). New regulations will require larger employers to offer medical coverage to employees or pay a penalty for not doing so. This is why it is important for employers to start analyzing their […]

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