Health Savings Accounts (HSA)

What is a Health Savings Account (HSA)?

Simply stated, a health savings account (HSA) helps you save money on health care by making you a part of the medical services decision process.  HSA’s are specifically designed to help you manage medical expenses and reduce the continuing raising of health care expenses.

The good news is that the money you save remains part of your retirement account, even if you leave your employer. You can also save the money in your account and grow your account through investment earnings.  All great news!

Funds in the account can grow tax-free through investment earnings, just like an IRA. In short, if you don’t use all the money in your HSA for medical expenses, it can accumulate as tax-free savings for your retirement.  HSA’s are a favorite among many employees.

One final big plus, HSAs can pay for more procedures than were ever allowed before by government sponsored programs. 

One final note:  Funds are used to cover medical expenses before the plan deductible is met. Unspent account balances accumulate and accrue interest from year-to-year. Unlike amounts in Flexible Spending Accounts that are forfeited if not used by the end of the year, unused funds remain available for use in later years. Once the health plan’s annual deductible has been met, coverage resembles conventional insurance, typically in the form of a preferred provider organization (PPO) with little-to-no cost sharing for in-network services, and limits on total out-of-pocket costs.

Give us a call today and let’s get this started for your company and employees!  

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