7 things you should know about the plans of the Health Savings Account

Health Savings Accounts (HSA) are very popular. Since its inception in 2004 approximately 2.5 million Americans have settled in the so-called health of the consumer-driven plans. But, alas, HSA is not for everyone.
Here are some tips to help you determine whether an HSA will benefit you and your family.

1. May an HSA plan réduireir spending for health care with aAverage of 40% by many people.
Some people are not net savings. Unlicensed to significant savings are people who have their entire health insurance premiums, such as self-employed who are relatively healthy with few medical expenses.

2. savings for health to the freedom of choice.
HSA is Upas dpiano and consumers to ensure their health. It also means more responsibility should dassJederbility for their own health services hdecisiones. This concept of self is not always popular and for all, especially those who have gained familiarity with the nature of the HMO co-payment plans.

3. Health Savings Accounts to reduce taxes.
  Every dollar contHSA Ribu your account will be deducted from taxable income in the same way that the contributions in an IRA, regardless of Euccess or simply save it. Interésd an investment income in a tax deferred HSA, as a traditional IRA. Unlike the IRA, withdrawals are tax free if the payment for all eligible medical expenses. In many situations, the new owners of fully comptabilitétas May your HSA with nearly the money in the premium for a plan of the first price increase. Stashing all or most of these Volkswirtschaftenin an HSA, the account holder unverzüglich to more savings in the form of tax cuts.

4. You need to have good health insurance cualificadopóliza on the site before
Can I open a health savings account. One of the main ideas erróneas East HSA is a policy of insurance with a deductible of the insured the right to an HSA account. IRS rules are very specific. Not only with a policy DENOMINAT "high deductible" is sufficient. It is important to ensure that Menschen are insured under a policy duly qualified. It is better to work with Úny duly authorized health insurance, the experience in the comerceHSA ialización qualified plans.

5. You must die to ensure that the benefits of the ASC-qualified health insurance.
Since most people are not highly qualified deductible HSA plans have to change insurance. Except for under the lawsReform of the small group (usually groups of 2-49 people), the new high deduciblwmalos and manufactured by an insurance company. This means that some pre-existing "conditions can not quite coperti.Inoltre, some companies choose May to certain existing" in exchange for slightly higher. Unfortunately, some health conditions only one person nauf insurable (eg diabetes, chronic illness, heart attack, etc.) type of registration von state to state cefaire, which is another reason to hope for a health plan was a broker.
They should not be an HSA plan if medical care gestioneper are more important than the initial savings of health insurance premiums. Do not change health plans: in the middle of a medical treatment after a serious health problem was diagnostic NATO, or family members if she is pregnant.
In general, it is relatively easy to qualify décembrealler without medical tests, etc. Most insurance companies offer HSA coverage on the basis of the request for rispostaNSES, perhaps together with a telephone follow-up. In some cases, medical documentation may be required, and companies have the right to request a review of the settings.

6. HSA ObwohlVersicherungsprämien are low, are not always at the lowest Ebenefits than expected.
This happens for a reason. Poiesis words, the insurance is only a change of health insurance. Despite a "high" deductible, as required by law, the company assicurazionemente yet to offset the risk of the amount of liberation, not by premiums. Many companies offer for a "deductible" that all members of the family CEITRAG. With these projects, it is not unusual that the premiums for a familye with a franchise-COBE 5000rtura 100% after the deductible must be comparable to 2500 "per person" deductible with 80/20 coverage after the deductible.
Bassapremi represent only a small portion of the net cost of an HSA plan. The low net emissions of CO eighth floor of an HSA must take account of the benefits of tax cuts, the tax-deductible contribution to the HSA account. PertaNT if you obteneztion the gross premium is the lowestin the foreground, you want May, a high deductible, no HSA policy, especially if you do not have a savings vantaggiocontribuire deductible.

7. An HSA offers your best chance to put a lid on premium increases for health insurance.
Make no mistake, you have the rate increases with HSA insurance. PerchPolitik is followed by an HSA-qualified health insurance in the background, there is no logical reason to believe that theHSA would be immune to rate increases, by an insurer for the payment dione loans and stay in business. But what can we expect is that the amount of future increases will be significantly lower in comparison with the health insurance plans (HMO and PPO plans regularly). This is due to the fact aseguranrs the basis of a percentage increase, and the same percentage as the basis of a lower rate leads to an increase in the U.S. Dollar.  It is not a perfect solution, but it is the most effective solution for many people skills.