1. CMS.gov.↩

2. Bend HSA. “More than Half of Americans Confused by Health Insurance, Including HSAs.” 2021.↩

3. Healthline. “Up to 80% of Hospital Bills Have Errors. Are You Being Overcharged?” 2020.↩

4. JAMA Network, 2019.↩

5. Nadrag, P., & Technologies, C. (2021, January 26). Industry voices-forget credit card numbers. Medical records are the hottest items on the dark web. Fierce Healthcare.↩

6. Protenus 2022.↩