CPB Certified Professional Biller Certification Practice Exam

An HSA is primarily designed for which purpose?

1. Meal planning

2. Medical expenses savings

3. Health coaching

4. Insurance policy assessment

The correct answer is: Medical expenses savings

An HSA, or Health Savings Account, is specifically designed to allow individuals to save money tax-free for qualifying medical expenses. Contributions to an HSA can be made by both the employee and employer, and the funds within the account can be used for expenses such as deductibles, copayments, and other healthcare costs. The primary purpose of an HSA is to provide a financial resource for healthcare-related expenses, making option B the most accurate choice. The other options, such as meal planning, health coaching, and insurance policy assessment, do not align with the fundamental purpose of an HSA. Meal planning is related to dietary management and nutrition rather than specific medical expenses. Health coaching focuses on overall wellness and lifestyle improvement, which is not the primary function of an HSA. Insurance policy assessment deals with evaluating different insurance plans and coverages, which is separate from the function of an HSA that focuses on saving for out-of-pocket medical costs. Thus, the focus on medical expenses savings highlights why option B is the appropriate answer.