A health savings account plan combines a high deductible health plan with a special, tax-qualified savings account with tax advantages similar to an IRA. With an HSA insurance plan, you'll save on premiums because of the high deductible, and you'll save on taxes by contributing premiums you save into your savings account. Best of all, you can withdraw funds tax-free to pay routine medical bills! It's a win-win-win deal.

If you pay for your own health insurance and do not have a health savings account plan, you're paying too much, both in insurance premiums and taxes.

High deductible plans make so much sense because when you pay more to buy a lower deductible, you are essentially "betting" the additional premium cost that you are going to need the insurance coverage. You only get your money back if you have a substantial claim. For most people, it makes more sense to go with a higher deductible and save the difference for a rainy day. An HSA insurance plan allows you to do just that - and get a tax break for banking the money you save on premiums by purchasing a high deductible plan!

Let our independent health insurance brokerage firm help you wade through the health insurance minefield. We'll do most of the work for you at no cost to you. Our sophisticated search engine will identify the most competitive high deductible plans in your state. We'll even help you apply for coverage, or you can do it yourself online if you prefer.

Personalized service. If you want your new high deductible plan to be an HSA qualified plan, we'll help you establish your new HSA savings account. If you want your new high deductible plan to operate without an HSA savings account attached, we can help with that too. Either way, we would appreciate the opportunity to work with you. Please take a moment to review the HSA info on our site, then get some quotes for high deductible plans from our quote engine, and let us help you start saving money ASAP.

The rest of this page explains the HSA savings plan concept in a nutshell. More details are found on the links to the right. Feel free to contact us with any questions. Thanks for stopping by!

I am very impressed with your service. Other agents didn't seem to understand the HSA, but you helped us from start to finish and saved us over $6,000 a year in the process. You truly are the HSA king. Thanks so much!   J.S. Austin, TX

The Health Savings Account plan concept in a nutshell.

• Carry a low cost, high deductible health plan ("HDHP") instead of a high priced plan with co-pays. Savings will vary, but on average, our clients save about 40% on their health insurance premiums.
• Deposit premiums you save into a special tax-sheltered health savings account. Just like a traditional IRA, deposits into your HSA are tax-deductible "above the line," resulting in instant tax-savings. You can deposit additional amounts, up to annual maximums defined by the IRS.
• Use money you save in taxes to pay routine medical bills. That's right - let Uncle Sam subsidize your routine medical expenses with an HSA savings account! (such a no-brainer!)
• Larger expenses should be covered under the high deductible health plan (over the deductible).

Establishing an HSA insurance plan is an easy 2-step process:

1. FIRST, become insured under a properly qualified high deductible health plan ("HDHP") (click the orange "GO" button to the right to get the most competitive quotes from major A-rated insurers, utilizing our utting-edge quote engine)
2. THEN, open and begin funding the actual health savings account (we help our insured clients establish their account at major financial institutions)

Why we emphasize the PLAN in the health savings account plan.
On our site, we emphasize that an HSA plan consists of 2 things: 1) a properly-qualified high deductible health insurance policy (the HDHP), which is underwritten and issued by the insurance company of your choice, plus 2) the actual health savings account, which is established at the financial institution of your choice. This 2-part concept is illustrated by the diagram below:

Working Example - How an HSA plan saved over $7,000 for a family:
Here is an actual example from our case files that illustrates the money-saving power of a health savings plan. Ted and Alice are in their early 40's with 2 children, living in the greater Atlanta area. When their prior medical plan jumped to $850/month, they called us - for a second time (they had contacted us 2 years earlier, but felt more content to just "let it roll" with their co-pay plan).

After analyzing their situation, we recommended a properly qualified high deductible health plan (HDHP) from a major, national insurer that saved them over $5,600 a year in premiums. In addition, by funding their health savings account, they realized an additional, $1,600 in tax savings - something virtually impossible to do with any other medical care plan. All together, this family's annual savings exceeds $7,000 with their new health savings account plan!

Now, when one of the kids needs to see a Doctor or get a prescription, Ted and Alice can simply tap their health savings account with an easy access Visa debit card to do something they could not have done with any other health plan:

pay their discounted medical bills with discounted dollars.

We have prepared a graphic of this typical family's experience in an effort to help you more quickly understand the HSA concept at work. Here is the link if you would like to see the graphic illustration of this family's savings: health savings account family example (new browser opens).

How to Get Started With Your Own HSA Insurance Plan.
Just click the orange GO button at the top of the right hand column to get your quotes. Our simple, streamlined process takes only a few seconds to get quotes on high deductible options from all major insurers. Then, you can schedule a personalized consultation via phone so that we can help you select the plan that best suits your needs. Or, if you prefer, you can "click and apply" online for the plan of your choice. The reason it is important to get quotes for your high deductible policy is because if your premium savings are not large enough, an HSA plan may not make sense for you.

Rest assured, no other agency provides more quotes from more companies, lower rates, or better service! There is no charge for our service; all we ask in return is the opportunity to be named your agent of record on your new high deductible medical insurance policy.

Already have a high deductible? It's probably not HSA-qualified!
Chances are, your existing high deductible policy may not be properly qualified to work with an HSA account--most are not. Read our Bonus White Paper Report to find out: Is Your High Deductible Plan Properly Qualified for an HSA? If you have specific questions about the eligibility of your current policy, feel free to call our office (see "contact" link).

Thanks for visiting!
We look forward to helping you establish your new health savings account plan.