Editors' pick: Originally published Oct. 5.

Trump is against the Affordable Care Act (ACA) and has plans to repeal it.

But what about Health Savings Accounts (HSA)? Where does the Donald come down on those?

"Health care is not one of his key platform issues," said Begonya Klumb, CEO of UMB Healthcare Services (UMBF) . "We don't know how hard he will push on Congress to take action, though he is in favor of Health Savings Accounts (HSA) for all."

Hillary, on the other hand, is going to be focused on making the ACA work. She will stay the course and make incremental changes, in Klumb's view. That said, it is less clear where HSAs fit in under her administration.

"The Democratic platform has been further influenced by Bernie Sanders and is feeling supported in continuing to focus on expanding access," said Klumb. "We would expect proposals for expanded access form her for public programs, as well as reducing the cost for health care."

Of course, given the political pressures, it seems unlikely for a full ACA repeal should Trump win. Either administration will need to take action in order to keep costs in the public exchanges manageable - given the lack of competition.

"There will need to be changes to the public exchanges in order to make participation more compelling for the insurers," said Klumb.

Something else Klumb is keeping an eye on is the so-called Cadillac Tax because either administration will need to deal with those implications. HSAs could be negatively impacted because contributions are part of the formula, according to Klumb.

Finally, Klumb said UMB's HSA differs from those of competitors because of its versatility.

"We can be the custodian, administrator and card provider, while also providing robust, user-friendly investment options through our product. This uniquely positions us in the industry," said Klumb.

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