Running The Numbers: $2,380

Photograph by Adrianna Williams/Getty Images Close

Photograph by Adrianna Williams/Getty Images

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Photograph by Adrianna Williams/Getty Images

(Corrects reference to annual change in contributions.)

That's the average contribution level to a health savings account in 2012, which included money from both the employer and employee. That's down from $2,620 in 2010 and $2,677 in 2011. About a third of account holders used their HSA’s as a savings vehicle and spent more than 90 percent of what they contributed. Only 5 percent spent everything they contributed, according to Fidelity.

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