HealthCare Consumerism Radio is back on the Internet air waves! Following a six-week winter break, hosts Doug Field and Brent Macy kick off the new year with three familiar guests. The first is Todd Berkley, president of HSA Consulting Services. Author of The HSA Owner's Manual, Todd is one of the nation's most respected experts on all things health savings accounts. In this interview, Todd discusses his newly published book, the 2015 outlook for HSAs and his upcoming Private Exchange FORUM workshop, The Game-Changing Combination of HSAs and Private Exchanges. For the second segment, Brent and Doug welcome John Young, CEO, Consumerdriven, and Ernie Harris, EVP, Exchange Solutions, Maestro Health. As co-chairs for the upcoming Private Exchange FORUM, Ernie, John and the hosts discuss the 2015 landscape for private health insurance exchanges.