Which of the following decisions is NOT within the power of a Health Savings Account (HSA) owner?

The decision regarding the amount contributed by the employer is not within the direct power of the Health Savings Account (HSA) owner because contributions made by an employer are determined by the employer's policies and compensation structure. While the account owner can contribute to the HSA up to the annual limits set by the IRS, employer contributions are typically fixed or provided as part of a benefits package, leaving the employee without control over that specific contribution.

In contrast, the HSA owner has the authority to decide on the amount they contribute within IRS limits, select which expenses are eligible for reimbursement according to HSA guidelines, and choose from various investment options offered by the financial institution managing the account. This demonstrates the HSA owner’s control over personal contributions, expense reimbursements, and investment management within the confines of the account, but not over employer decisions.