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Who Should Consider a High Deductible Health Plan (HDHP) --- Health Savings Account (HSA) combination:.
* By switching to an HDHP, you can reduce your present premiums by 25% to as much as 72% a month,
* Healthy Individuals and Families; find a deductible that is within your financial comfort zone,
* The young, who are in need of only major catastrophic coverage-- coverage beyond the deductible,
* Those individuals or families whom are in a higher tax-bracket, as the contributions to the HSA are 100% Tax-Deductible.
Why Initiate a Health Savings Account?:
* Create a first dollar tax-deductible arrangement--- no itemizing,
* Interest earned is always TAX-EXEMPT,
* Remain healthy, never having to withdraw from your HSA, the HSA balance rolls-over each year with each annual contribution,
* Become ill the most you'll be out-of-pocket is your annual deductible; as most plans pay 100% after satisfying the deductible,
* At age 65 the HSA converts into a do anything account, pay-off a mortgage, purchase a car, take a vacation or subsidize your retirement.
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HSA: The Medicare reform Act of 2003 opened the door for the new self-managed health care plan. Health Savings Accounts (HSA's) are a tax-deductible account with interest earned always remaining tax-exempt, which grows to pay for medical expenses. They were created to help give control back to the consumer and lower healthcare cost. HSA's provide a financial incentive for consumers to selecting a High Deductible Health Plan (HDHP), having lower monthly premiums than traditional plans. The HSA/HDHP combination provides consumers with tax-deductible expense, deductible contributions and a retirement account as it converts at age 65.
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