Family

 Health Savings Account

 2008 & 2009 Medical Plans (HSAs) 

*  Lower Health Insurance Premiums

* Excellent Tax Savings Year After Year

* Creates Large, Long Term Retirement Benefits

Apply Our Simple, Yet Very Effective HSA Strategies


Discover
today how Health Savings Account Insurance Plans
(also referred to as health savings plans) offer many unique, & significant immediate & long term financial benefits.  

See also how coverage of your most critical health care costs & potential major claims will actually widen with an HSA.     

Finally learn how the process of opening & then maintaining your HSA is relatively simple. 

Welcome to HSAHealthSavings, a full-service health insurance agency.  Our expertise is family & individual health insurance. 

We also offer small to medium sized businesses - rich, cost effective benefit plans (employee benefits) designed to genuinely satisfy employees, while at the same time saving employers serious dollars.    
 
Our true specialty area is Health Savings Account Plans.   Although we continue to also offer a rich array of traditional health insurance plans, you'll soon see why we are a huge believer in HSAs.  So let's explore more together ...
                                                       
                                    
                                    WHY should I have an HSA?
   
   You are Invited to Attend our Free Weekly Live "All About HSAs" Teleseminar where we discuss HSA Basics plus more Advanced Strategies
 

 

Since first being signed into law in December 2003 by the Federal Government, HSAs have already proven to be successful with real people.  They are resulting manifestation of the consumer driven health care revolution.  Since their currently is no successful universal health care system (& not likely), health savings accounts offer at least one strong alternative to traditional health insurance.   HSA plan popularity has soared and although HSAs are still evolving, one thing is almost 100% for certain ... they are here to stay. 

 

Health savings accounts today are available to every person over 18 years of age in the United States as well as to virtually any business, small or large.

 
Knowledge is "power" when it comes to your finances.  Medical Insurance to many people's surprise today is the newest form of an investment vehicle that genuinely offers tremendous financial benefits.  These benefits include repeated yearly tax savings, decreased health insurance premiums, & built-in retirement account growth funding.  
 
Have one of our competent & friendly expert advisors assist you at no cost (other than your new lower monthly premium) in implementing a three-fold, money-saving strategy so that you may begin immediately enjoying these lucrative benefits.  Since the insurance carriers pay us directly when we write your health policy, HSAHealthSavings is able to provide top quality consulting services for you at absolutely no cost.   It's a win-win for us and for you! 
  
Saving health dollars is as easy as ... 1 ... 2 ... 3
 
A Health Savings Account enables you to:  

Lower your health insurance premium usually by 25% - 50%.   Our typical client saves $80 - $250 dollars per month when they switch over from a traditional health insurance plan to a qualified high deductible HSA plan.   Please do not let having a high deductible concern you!  Yes, you'll now have a high deductible, but there are built in safety nets to protect you ... keep reading.   Enjoy IRS created triple tax advantages (see the "abc's" below) that are unique to HSAs.  Reduce your out-of-pocket income taxes up to $2000 or more each & every year.  Here are your three main tax saving pillars. 
   
a) Contributions to your Health Savings Account are 100% tax free  

b) Interest on all of your account investment gains are also 100% tax free.  The kind of investments are your choice ranging from low-interest, no risk bank rates to the widest range of stocks, bonds, & mutual funds.  The risk level you assume is entirely up to you and you can change these levels at any time.  
 
c) Make 100% tax-free withdrawals from your HSA for any qualified medical expense anytime.
 
HSAs are the only triple tax free investment vehicle available in America.  They are identical to IRAs except that the have an added benefit.  You can make tax free withdrawals anytime to pay for a very wide range of medical expenses.
   
Additionally, you HSA builds a significant retirement account of up to several hundred thousand dollars to spend how ever you choose, and not necessarily for only medical expenses.  The Internal Revenue Service (IRS) states that at age 65 the money from your Health Savings Account can be withdrawn penalty-free for any reason, not only for qualified medical expenses.   Finally, know that the funds in your HSA are always yours, and grow tax-deferred exactly like an IRA (Individual Retirement Account).  
  
And yes ... you may still continue contributing to your IRA up to the maximum each year while also making the maximum allowable contributions to your HSA account .

All of these factors make the impact of a high deductible health insurance plan much, much less of a real issue.  Think about it.  There will many periods of time throughout the life of your Health Savings Account medical plan where money will be growing tax free and you will not be incurring any medical expenses at all.  Should you ever have a large medical bill, your HSA account will solidly protect you against a high deductible & more importantly major financial loss.
 
The raw truth is that many people are still unclear about HSAs and what they really accomplish.  Often, an individual or business's insurance broker has not kept them properly up-to-date on all the true benefits.  Why would they?  They would lose commissions when they show you how to lower your premium.  

Agents and brokers, however, are obligated by a legal fiduciary duty to serve his or her client's best interest at all times .  This duty is often put on a back-burner .... glossed over.  Furthermore, the State Department of Insurance doesn't often intercede for these "oversights".  

Also, although the insurance companies offer HSA health insurance plans in their product lines in order to profit from those interested, they do not go out of their way to clearly promote & publicize the multiple superior advantages of HSA plans over the traditional health plans they have always offered. 

THE REASON?  Doing so would simply lower their profits.   

THE KEY POINT

As a consumer of health care, you really must take matters into your own hands.  Become self-informed on the realities of how your hard-earned money is better spent.           

The expert advisers at HSAHealthSavings are on a mission as millions of folks & their families are still missing out RIGHT NOW on major financial benefits that are rather easily attainable.  We are thrilled to share this information with you at no cost or consulting fee!  The benefits of HSAs can literally transform one's finances in both the short term, and longer term as we grow into our retirement years.  But don't wait.  The sooner you start, the longer time you will have to reap the benefits.  Finally, regardless of your income level, if you are paying for health insurance you owe it to yourself, family, and or business to compare the benefits of an HSA health insurance plan to an outdated traditional medical insurance plan.   

 

 
   You are Invited to Attend our Free Weekly Live "All About HSAs" Teleseminar  where we discuss HSA Basics, plus more Advanced Strategies
 
 
HSAHealthSavings is the leading provider of health insurance in California, Colorado, Oregon, Michigan, Florida, Massachusetts, & New York for individual & family insurance & HSA Health Savings Plans.  We also assist businesses and self-employed persons in setting up employee benefit packages & HRAs (Health Reimbursement Arrangements ).
 
 
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You may wish to subscribe (free).   Allow us to filter out the excess noise & any confusion you may have about HSAs.  We'll share with you only need-to-know current Health Savings Account news. Stay aware of new developments regarding changes in HSA Health Insurance Plans, Administrators, & important IRS, Federal, & State governing rules & regulations. If you prefer, just bookmark this site and return when you like instead of subscribing.
 
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Oct 21, 2008, Health Savings Accounts - HSA Health Plan Savings

Health Savings Accounts are an a great way to build an additional retirement account. These strongly tax-favored accounts have only been available since January of 2004.

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Oct 21, 2008, Health Savings Plans "All About HSAs" Weekly 30 Minute Teleseminar

Free Weekly 30 Minute Teleseminar about HSA Health Savings Plans. Best & newest strategies to fully maximize Health Savings Account tax & premium savings while also growing a retirement account.

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Oct 21, 2008, Health Savings Account - HSA Health Insurance Plans, Call Toll-Free 1-877-888-9771

Speak with expert Health Savings Account (HSA) advisors. Instant quotes on HSA Health Insurance Plans. Best Strategies to Fully Maximize Tax & Premium Savings, Plus Excellent Retirement Funding.

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Oct 15, 2008, What is a Health Savings Account? Call Toll-Free 1-877-888-9771

What is a Health Savings Account (HSA)? HSAs have distinct benefits over both Flexible Spending Accounts (FSAs)and Medical Savings Account (MSAs).

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Oct 15, 2008, American Chartered Bank - HSA Health Plan Savings

American Chartered Bank is a recommended independent Health Savings Account administrator. They do an excellent job serving their customers with efficiency and fairness.

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Oct 15, 2008, Health Insurance Plan Savings - HSA Accounts

Now receive additional Health Insurance Plan Savings. Reduce costs on Lab Fees, Prescription Drugs. Medical Expenses paid from your Health Savings Account (HSA) can now be further decreased.

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Oct 15, 2008, Health Savings Account Deduction - HSA Health Plan Savings, Call Us Toll Free 1-877-888-9771

A Health Savings Account Deduction is when HSA Contributions may be deducted from one's federal tax return for the previous year. A Health Savings Account is a High Deductible Health Insurance Plan that partners with a savings component.

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Oct 14, 2008, Health Savings Administrators - HSA Health Plan Savings, Call Us Toll Free 1-877-888-9771

Health Savings Administrators can either be from your insurance company or an independent third party. We strongly recommend selecting a third party Health Savings Account administrator for the following reasons.

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Oct 12, 2008, Fayetteville Bank - HSA Health Plan Savings

Fayetteville Bank is a central Texas community bank offering Health Savings Accounts with a no setup fee, no low balance fees, a free VISA debit card, free online banking and much more.

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Oct 12, 2008, Baytree Bank - HSA Health Plan Savings

Baytree Bank National Bank & Trust Co. is an excellent HSA administrator for someone who desires no fees and the highest rate of return on their savings account.

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