Gail MarksJarvis: As open enrollment approaches, here's how to pick the right health-savings account

Morningstar has an important message for employees who will soon start signing up for next year's health benefits: Take a close look at any health savings accounts you are considering enrolling in.

Morningstar analyst Leo Acheson, in a new report, examines 10 major HSAs that are popular in the workplace, and his conclusion is anything but glowing.

"There is much room for improvement across the industry," he concluded. Of all the plans he examined, Acheson identified only one as a "compelling" way for people to set aside money