The american civil war, otherwise known as the war between the states, lasted for four (4) years.

It began in 1861 and ended in 1865. This war was between the U.S and the 11 southern states that separated from america and formed the Confederate States of America. This essay will discuss the four main reasons believed to be the causes of the American Civil War.

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Those causes are, slavery in America in 1619, John Brown’s raid on Harper Ferry on October 16th, 1859, The Westward Expansion of 1803 and The attack on Fort Sumter on April 12th, 1861. Given the proper resources provided to us through modern day technology, these are the four reasons believed to have played a vital role in the start of the american civil war.One of the main causes believed to begin the american civil war is slavery. Slavery in America was first introduced by a the Dutch who had captured Africans and brought them to America. When the Dutch did this they planted the seeds of slavery in America.

Little did they know that this was going to turn into a nightmare that ends up dividing the nation. Some 6 to 7 million slaves were estimated to of be brought to the “New World” during the 18th century. Slavery became a big problem later on in america when people realized how bad slavery was through the book Uncle Tom’s cabin and through other media sources. As a result of this there was an outbreak in rebellions and antislavery movements which caused  an uprise between the north and south about if slavery should be kept or not which eventually led to the American civil war beginning. Uncle Tom’s Cabin is an anti slavery novel written by a woman named Harriet Beecher Stowe. This novel was published in 1852.

 The book takes place in the mid 19th century on a plantation in Kentucky owned by the Shelby family. This book became the most discusses fiction book in the United States. Uncle tom’s cabin contributed greatly to the start of the american civil war because the book told people what the political speeches, tracts and newspaper at that time could not.

leading HSA non-bank custodian and has been able to make several successful acquisitions to increase its market share. Following the lead of JP Morgan & Chase in 2015, financial institutions such as Wells Fargo & Co, M&T Bancorp and The Bancorp Inc. have sold off their HSA positions. HealthEquity’s main competitors are UnitedHealth Group, Webster Financial Corp, Fidelity Investments and BAML.

These companies recognize the growth potential in the HSA market and have publicly announced their desire to continue to pursue the opportunities. With substantial revenue streams and reputable business developments, HealthEquity is in the process of absorbing that 60% “other” group in the HSA market as are the other competitors. When understanding the competitive environment, it is important to understand the major players as well:HealthEquity’s two main competitors in the HSA market are UnitedHealth Group (Optum Bank), and HSA Bank (Webster Bank) who have total HSA custodial assets of $7 billion and $6 billion respectively. UnitedHealth Group a managed health care company focusing on health care products and services. Through their Optum packages, UnitedHealth Group offers technology-based services for the clients from employers, government officials, care providers and individuals and families.

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They also offer healthcare benefits to the same demographics. UnitedHealth Group has been involved in a total of 15 mergers and acquisitions, which is what has allowed it to become the biggest HSA provider in the US today. A notable acquisition made by Optum bank was the purchase of the Wells Fargo HSA portfolio.Where HealthEquity has a competitive edge over UnitedHealth Group is level of servicing provided.

HealthEquity offers a 24-hour support service for its clients, allowing for an increased availability and responsibility. Also, HealthEquity is a more focused company that targets employer-sponsored and individual health plans along with providing the best management of a HSA. A prominent acquisition made by Optum Bank was the purchase of Wells Fargo’s Webster Financial Corp is a typical financial institution that offers a separate bank, HSA Bank, to host HSA plans. The company services over 2 million members with $6 billion in assets under administration. The HSA bank is a focused sub-sector of Webster Financial Corp and is an aligned competitor with HealthEquity due to the possible resources that the parent company offers specialized the HSA bank. In 2015, HSA Bank acquired the HSA business of JP Morgan & Chase Bank. This is a huge account and it has significantly impacted HSA Bank’s market share.

HSA Bank has also been a part of two other notable mergers and acquisitions that have made them a stronger competitor against HealthEquity. It is important to note that JP Morgan & Chase analysts are currently following HealthEquity. 

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