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Understanding Health Savings Accounts

As an alternative to traditional plans, health insurance, many individuals and business owners are turning to the HSA for their health coverage - saving large amounts in their medical premiums.

HSAs have two parts: policy HSA health insurance and HSA bank account

1) The HSA health insurance policy is a policy very simple. It covers 80% of their medical expenses after you have met your deductible. deductible HSA plan are high - Typically around $ 2000. Unlike traditional medical insurance, no co-payments for doctor visits. All medical expenses (except for an examination annual physical) are subject to the deductible - even doctor visits. By eliminating upfront "gains more" traditional health insurance plans offer the HSA premiums are dramatically lower.

2) The HSA bank account can be opened in your local bank or credit union. Any deposit you make in your HSA bank account are tax deductible as contributions to an IRA or 401k plan. The IRS lets you deduct up to $ 3,050 as an individual or $ 6,150 as a family for HSA contributions you make in 2010. * The best part is - you can pay for your medical, dental, vision and HSA savings (efficient use of money tax free). Your bank will give you a debit card and / or checks to use.

VERY IMPORTANT:

accounts 1) HSA are not "use it or-lose" such as FSA (flexible spending accounts) offered by many employers. Any HSA not spend U.S. dollars this year, they will accumulate for the next year and will grow tax-deferred like an IRA or 401k. Many people use their HSA account as a retirement plan that can make withdrawals tax-and penalty-free when they have medical expenses.

2) You can not open an HSA bank account unless you have a health insurance plan HSA. HSA insurance policies always have the letters "HSA" in the name of the policy.

3) Individual HSA plans do not cover prescriptions Rx or maternity. Group HSA plans (employer-sponsored plans) cover requirements prescription and motherhood (after deductible)

To determine whether an HSA plan is right for you, call us at 360-464-1622 or visit http://www.wahealthagency.com

About the Author

Vernon Bonfield has been an independent insurance agent since 1994, specializing in health and dental insurance for individuals, families, and businesses. He is the owner of the Washington Health Insurance Agency located in Tumwater, WA

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