Two large record keepers have been offering health savings accounts long before their peers.

Investment assets in health savings accounts jump 23% and have surpassed the $10 billion mark.

Expanding health savings account allocations won't automatically improve participation, research shows.

HSA assets rose 20% to $51.4 billion for the year ended June 30, with an estimated $9.8 billion of that representing investment assets.

Employers are providing monetary contributions and other incentives to encourage greater HSA balances.

Enrollment in health savings accounts demonstrated "very little growth" between 2014 and 2017.