In what year were Health Savings Accounts (HSAs) first established in the United States as a retail payment system for medical expenses?

Healthcare financing has evolved dramatically over the decades, creating new payment systems that help patients manage their medical expenses. Among these innovations, Health Savings Accounts (HSAs) represented a significant shift in how Americans could pay for healthcare. Test your knowledge about the retail payment history in the medical industry with this trivia question about when HSAs were first introduced as a payment option for medical expenses.

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1996, as part of the Health Insurance Portability and Accountability Act (HIPAA)
2003, as part of the Medicare Prescription Drug, Improvement, and Modernization Act
2010, as part of the Affordable Care Act (ACA/Obamacare)
1998, as part of the Medical Savings Account pilot program