Health Savings Account

Health savings accounts are sweeping the nation and becoming the most popular individual plan. The concept is simple; you pay for covered expenses below the deductible at a discounted rate and the carrier pays for all covered expenses after the deductible.

Savings are significant—much less expensive than traditional plans.

What is a Health Savings Account Plan?

It has 2 parts. One is a qualified high deductible health insurance plan, and the other part is a tax free savings account.

An HSA allows individuals to pay qualified medical expenses with pre-tax dollars, and save for retirement on a tax deferred basis. High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) provides traditional medical coverage and a tax free way to help you build savings for future medical expenses. The HDHP/HSA gives you greater flexibility and discretion over how you use your health care benefits.

Why have an HSA?

• HSAs enable you to take control of your own health care decisions.
• Savings up to 40%- 60%
• Have medical expenses tax deductible
• Ownership
• Portability
• Control
• Freedom

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" 34 Basic HSA Questions"