All you need to know about Health Savings Accounts (HSAs).

Imagine an affordable health insurance plan that offers 100% preventive coverage that is NOT subject to your deductible.  That's right, no co-pay, no out of pocket 100% free for all preventive coverage.  We've helped thousands of satisfied clients find an affordable Wellness HSA's.

Click here to start shopping for your HSA or call us at (866) 577-3620.

The insurance companies value prevention and early detection.  They beleive in it so much that they literally give away most prevention and diagnostic services. 

Annual Physical                        FREE
Cholesterol Screenings             FREE
Mammograms/PAP test             FREE
Prostate Exam                         FREE
Many other preventive services FREE

A Health Savings Account also has tax advantages.  It's akin to a medical IRA.

Why would pay medical expenses using money you've already paid taxes on?

Health savings accounts (HSAs) are savings plans that allow health care consumers to set aside tax-free money to cover current and future qualified medical expenses. An HSA allows account holders to set aside as much as $3,050 and $6,150 annually before federal taxes to cover out-of-pocket healthcare costs, for individual and family coverage respectively in 2010 (and indexed annually thereafter). Contributions to HSAs are made annually and can be made by both employers and individual account holders. Unlike flexible spending accounts (FSAs) in which funds must be used within a certain period of time or forfeited, unspent funds in an HSA can accumulate over time as tax deferred savings. If the money is used for medical expenses, it is never taxed. Only those enrolled in a qualified high deductible health plan (HDHP) can participate in an HSA, defined as any policy that has a deductible of at least $1,100 for an individual or at least $2,200 for a family in 2007 (and indexed annually). When paired together, funds from a HSA can be used to cover the deductible and other cost-sharing aspects of an HDHP, as well as other qualified medical expenses not covered by the HDHP.

We've helped thousands of satisfied clients find an affordable Wellness HSA's and we can help you, too.  Give us a call at (866) 577-3620 and we'll help you find a health insurance plan that is. . .

Affordable - Up to 50% cheaper than group coverage
Portable   - You can take it with you from job to job
Permanent  - As long as you make your premium payment, nobody can take it away

How It Works

1)  You enroll in an HSA-qualified HDLP. You'll pay lower premiums and have an account designed to help you pay for qualified medical expenses.

2)  You establish an interest-bearing HSA.

3)  You and other individuals may make tax-advantaged contributions to your HSA, up to certain limits.

4)  You may use your HSA debit card or personal check* to pay for qualified medical expenses. You local bank can help establish an HSA bank account.

What are qualified medical expenses?

Eligible medical expenses are defined as those expenses paid for care as described in Section 213(d)  of the Internal Revenue Code. Additionally, the IRS allowed some over-the-counter drugs to qualify as eligible medical expenses. This is a partial list of eligible medical expenses. Visit the IRS's website (Publication 502) for a more complete list of eligible medical expenses.

Acupuncture Alcoholism Ambulance Artificial Limb Artificial Teeth Bandages Breast Reconstruction Surgery Braille Books and Magazines Capital Expenses / Home Improvements Chiropractor Christian Science Practitioner Contact Lenses Crutches Dental Treatment Diagnostic Devices Disabled Dependent Care Expenses Drug Addiction Drugs / Medicines Eyeglasses Eye Surgery Fertility Enhancement Founder's Fee Guide Dog or Other Animal Health Institute Health Maintenance Organization (HMO) Hearing Aids Home Care Hospital Services Labor and Delivery Laboratory Fees Lead-Based Paint Removal Learning Disability / Special Education Lifetime Care - Advance Payments Long-Term Care Medical Services Medicines / Drugs Mentally Retarded, Special Home for Nursing Home Nursing Services Operations Optometrist Organ Donors Osteopath Oxygen Prosthesis Psychiatric Care Psychoanalysis Psychologist Stop-Smoking Programs Surgery Therapy Transplants Vision Correction Surgery Wheelchair Wig X-ray Click here to start shopping for your HSA or call us at (866) 577-3620.

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