（文章来源：央视新闻） 当地时间12月11日，美国参议院当日未能推进一项由共和党支持的提案，该提案旨在为受益于《平价医 疗法案》（ACA）补贴的美国人设立健康储蓄账户。据悉，这些补贴将于年底到期。这项需要60票才 能通过的法案最终以51票对48票被否决。 参议院现在将考虑对民主党提出的将《平价医疗法案》延长三年的提案进行规则投票。有分析指出，预 计这项提案也将失败。 ...

Key Points The start of a new year is a great time to get your finances in order. Get onto a budget to track your spending and make your goals easier to meet. Boost retirement plan contributions, but don't neglect healthcare and emergency savings. The $23,760 Social Security bonus most retirees completely overlook › There's something mentally refreshing about kicking off a new year. It's not like you're one person on Dec. 31 and a different one on Jan. 1. But the thought of a new beginning could ...

Core Insights - HealthEquity, Inc. (HQY) reported adjusted earnings per share (EPS) of $1.08 for the second quarter of fiscal 2026, exceeding the Zacks Consensus Estimate by 17.4% and showing a year-over-year improvement of 25.6% [1][9] - The company generated revenues of $325.8 million in the fiscal second quarter, beating the Zacks Consensus Estimate by 2.2% and reflecting an 8.6% increase from the prior-year quarter [2][9] - Total Health Savings Account (HSA) assets reached $33.1 billion at the end of July 31, 2025, marking a 12% year-over-year increase [4][9] Revenue Performance - Service revenues amounted to $117.9 million, up 0.9% year over year, driven by a higher number of HSAs and invested HSA assets [6] - Custodial revenues totaled $159.9 million, reflecting a 15.3% increase from the previous year [7] - Interchange revenues reached $48.1 million, up 8% year over year [7] HSA Growth Metrics - As of July 31, 2025, HealthEquity served as a non-bank custodian for 10 million HSAs, a 6% increase year over year [3] - The number of HSAs with investments rose to 782,000, up 10% year over year [3] - Total accounts, including HSAs and Consumer Direct Benefits (CDBs), reached 17.1 million [3] Margin and Profitability - Gross profit increased by 13.9% year over year to $232.6 million, with a gross margin expansion of 340 basis points to 71.4% [8] - Operating profit totaled $89.6 million, a significant increase of 52.1% from the prior-year quarter, with an operating margin expansion of 790 basis points to 27.5% [11] Financial Position - At the end of the second quarter of fiscal 2026, the company had cash and cash equivalents of $304.5 million, up from $287.9 million at the end of the first quarter [12] - Total debt at the end of the second quarter was $1.01 billion, down from $1.06 billion at the end of the first quarter [12] - Cumulative net cash provided by operating activities reached $200.6 million, compared to $173.6 million a year ago [13] Future Guidance - HealthEquity updated its revenue projections for fiscal 2026 to a range of $1.290 billion to $1.310 billion, with adjusted EPS expected to be between $3.74 and $3.91 [14]