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The
Complete Consumer’s Guide to HSAs
Health Savings Accounts are easy to understand and easy to set up. By reading
our HSA Info page and our Q&A
page, you will have a clear and complete understanding of how HSAs work.
Read our "How to" Guide page,
and you'll understand how to choose a plan and apply for coverage. You should
be able to do it all in about 20 minutes. If
you want all the details organized in a single report, order your free copy of
The Complete Consumer's Guide to HSAs. This
is a 36-page comprehensive guide providing instructions on how to choose a plan,
how to select an HSA administrator, strategies on how to maximize the benefits
you get from your HSA, information on record-keeping, a list of government resources,
and much more. If you want all the details, this one's for you You
can take a look at the Table of Contents for The
Complete Consumer's Guide to HSAs below. If
you'd like something smaller to print out and read, or to give to your spouse
or a coworker to read, HSA for America's
Guide to Health Savings Accounts is a brief 5-page guide that will give
you a thorough overview of how HSAs work, how they can save you money, and the
steps you need to take to get started. To
get both
reports, please enter your contact information below. Please note that your
email address will never be shared with anyone. You can view our Privacy
Policy for more information.
If
you would prefer a copy of both reports snail-mailed to
you,
please send a $25 check, made payable to HSA
for America, to the address below.
| Introduction |
4
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- How
This Report Can Help You
- Health
Savings Accounts
- Because…
|
4
4
5
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| Health
Savings Accounts |
6
|
- Tax
Deductible Contributions, Tax-deferred Growth,
Lower Premiums
|
6
|
| Qualifying
High-Deductible Health Plans |
7
|
- What
Makes a Health Insurance Plan HSA-Qualified?
- HSA
Plans have Lower Premiums
- Lower
Rates for the Long Run
|
7
7
8
|
| Tax
Savings |
9
|
- State
Income Tax
- Contribution
Limits
- Free
Health Insurance
|
9
9
10
|
| Tax-subsidized
Medical Expenses |
11
|
- Medical
Expenses not Normally Covered
by Health Insurance that can be Paid for
from an HSA
- Alternative
Treatments
- Dental
Expenses
- Mental
Therapy
- Chiropractor
Visits and Physical Therapy
- Transportation
and Lodging Expenses
- Preventive
Health Care
- Nonprescription
Medications
- Maternity
Expenses
|
11
11
12
12
12
12
13
13
13
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| Adding
up the Premium and Tax Savings |
14
|
| Long-term
Wealth Accumulation |
15
|
| How
to Choose an HSA-qualified Health Insurance
Plan |
17
|
- Qualifying
Health Insurance Plans
- PPO
Network
- Insurance
Company
- Choose
a Plan
- Underwriting
- Group
Coverage
- Using
a Cafeteria Plan to Fund an HSA
- Impact
of FSA/HRA Coverage on
Ability to Contribute to an HSA (including
2 1/2 month rule issue)
- Individual
Plans for Groups
- Keeping
the Premium Low
- How
to Apply
|
17
17
17
18
19
19
19
20
21
22
22
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| How
to Establish an HSA |
24
|
- Choosing
an HSA Administrator
|
24
|
How
to Choose an Insurance Agency
|
25
|
| HSA
Strategies |
26
|
- Strategies
to Maximize Your Tax Benefits and Future
Savings
|
26
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| Using
an HSA for Retirement |
29
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| Overall
Impact of HSAs |
32
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