Health Savings Account (HSA)

Inividual Health Savings Account - HSA compatible Health Insurance plans are the future of Health Insurance in America.  HSA Health Insurance plans offer low monthly premiums, catastrophic Health Insurance protection, and potential tax benefits.  HSA Health Insurance plans are NOT just for the self employed, just about anyone is eligible to apply.  UNICARE Health Insurance quotes are available, apply by phone, or apply for UNICARE Health Insurance online - free rapid processing and NO application fees.  UNICARE is (tm) Wellpoint Health Networks Inc.  Begin your FREE quote for health Savings Account HSA Health Insurance by picking your state below:

More Information on Health Savings Accounts (HSA):

What is a Health Savings Account (HSA)?
A HSA is a high-deductible medical plan, where you can also 'save' money TAX FREE into a HSA account.  HSA's are the future of health insurance in the United States.  It allows you to cover small expenses (such as office visits) with tax free money - and the health insurance covers MAJOR expenses such as hospitalization and other surgeries.

How does a health Savigns Account work?  Is it complicated?
HSA's are VERY EASY. We believe in HSA's and recognize the savings you can attain by having one of these plans. All you do is run an instant health insurance quote and select a HSA compatible health plan. We sell HSA plans from UNICARE only - as we feel they offer the best values on the market. All you do is select the HSA COMPATIBLE plan that fits your needs the best. The application process is exactly the same as buying any other health insurance. All that we do is sell you the HSA COMPATIBLE health insurance plan - what you choose to do on the savings side is up to you, we have nothing to do with this.

Do I have to be self-employed to purchase a Health Savings Account plan?
No. This was the case prior to 2004 - but HSA plans are now available to everyone.

Why should I put money into a 'savings account'?
HSA contributions are tax-deductible, similar to contributing to an IRA, etc., You will then receive an ATM card with the Visa / Master Card logo, or checks. When you have medical, dental, or other expenses - you simply use the tax free money you have contributed to your HSA account. This is great for office visits, prescriptions, meeting high deductibles, dental expenses, over the counter medications, and much much more. Consult the IRS publication concerning what qualifies as an HSA expense.

What if I don't spend the money I have contributed?
Do not confuse this with the 'savings account' option you may have had available at work - this is different. This money grows interest tax-free, and never expires. Should you eventually go back on a group plan, or change to a non-HSA plan - your money will continue to grow (although future contributions may be prohibited).

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