HSA Bank has run into a big obstacle in its push into the large-employer market for health savings accounts: health-care reform.

"We've moved forward with our insurance carrier partners, and they are enrolling large employer groups for us," said Kirk Hoewisch, the president of the Sheboygan, Wis., subsidiary of Webster Financial Corp. in Waterbury, Conn. "But … some employers are putting off their decisions until after things clarify."

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