If you offer health savings accounts, chances are baby boomers will be familiar with key basics before they approach the credit union.

At least, that's the experience of Joseph Schaefer, vice president and program manager for CUSO Finance Services/Telhio Investment Services at the $477 million Telhio Credit Union in Columbus, Ohio, and Joy Knaub, senior product manager at the $2.1 billion Bellco Credit Union in Greenwood Village, Colo.

They have also discovered that as boomers start to experience at least the early impact of aging, they fret that increased medical costs could be looming. 

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