About HSA for America

Health insurance is one of those things that you "gotta have."  Few people contemplate the purchase of health insurance like they do a new car, or a new book.

Having been self-employed since I was 23 years old, I've always been very interested in getting the health insurance coverage I needed, while spending as little money as possible.  Even back then I carried a deductible over $1,000 (which was considered quite a bit in 1986).

As a believer in the power of the free-market to deliver value to the customer, it has always been frustrating to me to be involved in healthcare, an industry which hides its prices and discourages competition.  So when Health Savings Accounts came along in 2004, I was ready and waiting.

Health Savings Accounts and HSA plans are more than just a smart way to insure your health.  They are smart public policy.  With an HSA, the consumer is once again involved in their healthcare decisions, which has two powerful impacts:

1. When people spend their own money, they are more careful how it is spent.  In other words, they'll demand quality and value, and they'll shop.  This, as any business person knows, is quite a motivator to the provider, and encourages better prices and better service.
   
   
2. HSAs reward personal responsibility.  Providing so-called "free" medical care is not the answer to the nation's healthcare crisis.  The answer is to provide incentives for people to save for their own care, and to take care of their own health.  That is exactly what HSAs do, and those who put money aside and take good care of their health will be rewarded quite nicely.

So we believe that HSAs will improve the quality and availability of healthcare, and that ultimately they will help make America a better country. HSA plans are also a much better value than conventional copay plans.

Our company mission is to make it easy for families and individuals to learn about HSAs and HSA-qualified health insurance, to make it easy for them to find a plan and get signed up, and to help them save money in the new world of consumer-driven healthcare.

Enabling the Well-Informed Consumer

Our website includes detailed instructions on how to compare plans and choose the best option.  We also offer a free report entitled The Complete Consumer's Guide to HSAs which will answer virtually any question. You can read more details about any of the plans, and download a brochure, from our Insurance Plans page.

When you choose an HSA-qualified health insurance plan, you'll also want to set up your Health Savings Account. To help you find the best HSA administrator for your needs, we have researched the hundreds of HSA banks out there, and have our top recommendations on our HSA Administrators page.

As a smart consumer with a high deductible health insurance plan, you should take advantage of every opportunity you can to save money on your medical expenses. Our praised Maximize Your HSA newsletter provides ongoing tips on how to save money on prescription drugs and lab fees, how to choose the right HSA administrator, strategies for minimizing your taxes and maximizing the return on your HSA investments, and much more. There is no cost to subscribe.

Our Additional Benefits page has several resources and special discounts for our website visitors and members, which will save you additional money. This includes discounts on prescription drugs and lab costs, a free medical bill negotiation service, low-cost health reimbursement arrangements, and more. Many of these benefits are absolutely free, so please take advantage of them.

Making the Process Easy

In addition to keeping our customers well informed, we pride ourselves on making the purchase of health insurance easy and hassle free. Complete information, instant quotes, and applications are available online.  If you would like some assistance, set up a time for a personal consultation with one of our friendly expert advisors.  They can answer your questions, help you sort through your options, and take care of getting your coverage and HSA set up, saving you time and money.

Diane Dunning	Bob Lutz	Paula Santamaria	Anthony Norris
Hoyt Hillman	Luke Kempen	Brian McFadden	Chelsea Miller

Getting Your Policy Issued

When we receive an application, we take special steps to ensure that the policy is issued as quickly and cleanly as possible.  Because of this extra care, people who apply through HSA for America tend to be approved more quickly, and with less hassle than through most agencies.

1. We thoroughly review any applications we receive by fax or mail for completeness before forwarding them to the insurance company.  By doing this we can identify issues that may cause a delay in the underwriting process, and fix them before they can cause a problem.  (Applications submitted via an online application process are immediately transmitted to the insurance company's underwriting department for quicker processing.)
   
   
2. We stay in close communication with the insurance company while the application is going through the approval process.  Without proper attention, health insurance applications can sometimes lag in an insurance company's underwriting department for weeks.  To avoid delay, we contact our insurance companies daily, tracking the application through the approval process so we can immediately let you know if any additional information is needed.
   
   
3. We keep our clients well-informed.  Each week we send anyone with a pending application an Underwriting Update by email, informing you of the status of your application.  We will let you know if any additional information is needed, if medical records are being ordered, or if any additional forms need to be signed.  This saves you time and aggravation.
   
   
4. We let our clients know the moment we are notified that they have been approved.  If your policy should arrive with any unexpected waivers, we provide our expert counseling in how to submit a request to have those exclusions removed.  We are very familiar with the underwriting idiosyncrasies of each insurance company, and have much success in getting unfavorable underwriting decisions reversed.

Saving You Money Year After Year

Finally, we not only earn your business today, but we will continue to earn it as the years go by.  Because rates go up and needs change, every year we offer to do our Annual Comprehensive Policy Review, in which we once again compare your plan to other available options.  By reviewing your coverage on a regular basis and helping you change plans when it is financially beneficial, we will help you save thousands of dollars over the coming years.

If properly funded, an HSA will allow most policyholders to take control of their own healthcare.  You will save money on insurance premiums, reduce your income taxes, and be able to get a tax write-off for whatever kind of medical care you choose.  If you stay healthy, you are rewarded with an additional retirement account.  This is win-win all around, and we are proud to be doing our part in helping people take advantage of these benefits.

Internet Access for All

HSA for America supports One Laptop per Child, a nonprofit organization dedicated to providing connected laptop computers to school aged children in lesser developed countries.  You can read more about this organization at www.laptopgiving.org.