The report highlights a significant rise in cargo theft incidents across North America, with 3,625 cases reported in 2024, amounting to nearly $455 million in losses. Key findings include:

• A 27% increase in cargo theft, with California, Texas, and Illinois accounting for 46% of total thefts.

• Warehouses, distribution centers, and truck stops are the most targeted locations.

• Frequently stolen goods include construction materials, electronics, clothing, pharmaceuticals, and food/beverages.

• The average loss per theft increased by 7.7%, exceeding $200,000.

This document discusses how certain state insurance laws may conflict with federal Health Savings Account (HSA) eligibility requirements. Some states mandate that health insurers count third-party payments (e.g., drug manufacturer discounts, coupons, or vouchers) toward an enrollee’s out-of-pocket expenses. However, to maintain HSA eligibility, federal rules require that only actual expenses paid by the insured individual count toward the deductible.