Although advantages of HRAs and HSAs can be substantial, employers will want to do their homework prior to setting them up. Effective implementation will require a clear understanding of consumer directed healthcare plan that best fits your organization as well as administrative requirements. Employee education will be essential. Companies will also need to look into how creation of a HSA or HRA may affect their HIPAA medical privacy compliance requirements.

Just like most endeavors, successful implementation of a HSA or HRA will greatly depend on how much research your organization does on pro’s and con’s of each alternative. The type of consumer directed health plan that best fits your company will depend on a combination of your corporate structure as well as overall objectives of your group health insurance plan.

Although consumer directed healthcare plans are becoming very familiar to human resource managers and other benefit professionals, remember that your employees and their dependents will need a substantial amount of education and communication.

Professor Challis accepts that there is no evidence saying mobile phones are harmful to health. Though, he also points out that people have not been using them long enough for us to be sure. He, as chairman of Mobile Telecommunications and Health Research Program, has a concrete point.

Adding to that, customers need to see companies doing everything they could to better serve to their health. Customers are customers but they are more hostile than competitors when it comes to reasons of their doctor visits.

The simple, softheaded strategy is pre-empting attack through applying Challis’s technology. This is a golden opportunity given to mobile manufacturers. Take it, don’t leave it!

On one of those “Today Show” with Matt Lauer, Donald Trump said: “I learned a lot from my brother who was an alcoholic… And I watched his life just be destroyed, I don’t drink, I don’t smoke. I never had a drug in my life ... alcohol is a drug. I mean, alcohol and tobacco are both terrible drugs. And, you know, I’d like to see lawyers start going after alcohol companies, cause I think alcohol is a much greater detriment than cigarettes.”

Legendary icon can be called sentimental. Though, he is pointing fingers in front of public and lawyers would be excited to follow his order. However, reality is that, effect would not be as bad as tobacco industry as they achieved to pre-empt attack by expanding their product line into non-alcoholic beverages and transformed their holistic market message to ‘Drink Responsibly’. This has put industry into low-key.

Every possible way to improve end users’ healthy relationship with product needs to be heeded. On some extreme cases, it may be unattainable. Then, companies should focus on health on their R&D purposes and align their product line accordingly, which can be named as pre-emption. Challis’s finding, in that respect, is given. Even though there is no sign of an imminent attack, it is future where problems and past where answers lie. If mobile industry insists on not accepting it, customers will be there to hunt them down.