What is an HSA plan? A health savings plan combines a low cost, high deductible health plan (HDHP) with a special, tax-qualified HSA savings account similar to an IRA. You'll save premiums because of the high deductible and you'll save on taxes by contributing to the HSA account (deposits are tax-deductible, like an IRA). Funds can be withdrawn by check or debit card to pay routine medical bills on a tax-free basis. At retirement, your HSA effectively becomes an IRA!
How to use our site. This is our virtual office. Our duly licensed insurance brokerage provides you with carrier-direct rates from major insurers. We help you apply for coverage and open your HSA account. The info links will help you understand the HSA concept, but if you have questions, don't hesitate to get in touch. Every client receives my personal attention, guaranteed.
Quick Links. Shortcuts to a couple of our most popular pages:
Health Care Reform - Learn how it will impact your coverage and premiums
The HSA Combo Plan: Deductibles as low as $100 for accidents! (our best selling plan)
Yes! This real-life example demonstrates how a Georgia family saved over $7000/year with an HSA plan. Actual savings will vary, but an HSA usually provides the lowest net cost health plan. This example also illustrates the cost-efficiency of our HSA-combo plan ($100 accident deductible).
Buying the wrong size deductible on your car insurance can cost you a little, but buying the wrong size deductible on a health plan can be a tremendously expensive mistake. Even if you're not sure an HSA is right for you, you'll benefit from learning how high deductibles make sense.
With numerous mandates on the horizon, insurers are raising health plan premiums 20% and more. If our president wants to know who to blame for the soaring cost of healthcare, all he needs to do is to look into the mirror, but he's too busy blaming others; namely, Republicans.