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..::: JANUARY 10, 2005

AFCM Interviews President of HSA Bank

NEWPORT BEACH, CALIFORNIA—HSA Bank President Kirk Hoewisch talks to Americans for Free Choice in Medicine (AFCM) in an exclusive interview about the bank’s unique philosophy, its history, and its commitment to Health Savings Accounts (HSAs), a new financial product which is the bank’s primary purpose. Hoewisch also discusses whether health care is a right, banking regulations and HSA Bank’s September, 2004, merger with Webster Financial.

AFCM found the 42-year-old Wisconsin banker to be among the nation’s most promising producers of HSAs, an idea championed by Americans for Free Choice in Medicine (AFCM) since its inception in 1993

“Developing a simple, easy-to-navigate Web site, combined with an intelligent sales strategy mobilizing a small but impenetrable grass-roots network of independent insurance agents, Hoewisch integrated new technology and rational business principles to establish major market share in America’s first major advance toward free choice in medicine in generations,” AFCM reports in the introduction.

The interview, conducted by AFCM Editorial Director Scott Holleran and published on AFCM’s Web site (, is the first in a series, Dollar Signs, AFCM plans to publish about those who produce real, free market-oriented tools for profit in the growing money-for-medicine movement. Holleran’s interviews about health policy have been published in the Philadelphia Inquirer, Los Angeles Times, and the Silicon Valley Business Journal. AFCM also discloses that HSA Bank is a member of the non-profit organization.

Hoewisch doesn’t hold back, revealing marketing plans, online account management tools, his view of the competition—and resistance to the idea.

"I have friends who hate the idea [of employer-sponsored HSAs],” he tells AFCM. “I explain that the employer is allowed to fund the Health Savings Account and I do the math, I show them and I explain that there are restrictions with managed care plans that there aren’t with HSA-compatible health insurance, which generally allows the individual to visit any doctor or hospital.”

Hoewisch explains that HSA Bank aims to dominate the market with competitive rates, excellent customer service training and a total focus on the product: Health Savings Accounts (HSAs). AFCM includes links to HSA Bank’s Web site as a resource for readers.

Americans for Free Choice in Medicine, (AFCM), was founded in 1993. AFCM educates the public about the principles of socialized medicine and free market ideas, such as HSAs and tax reform, and publishes a consumer's guide on its Web site ( AFCM is the nation's only educational organization based on individual rights, personal responsibility and free market ideas in medicine.

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Copyright © 2005 Americans for Free Choice in Medicine. All rights reserved.
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