The Complete Consumers Guide to Health Savings Accounts

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.


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Table of Contents

Introduction
4
  • How This Report Can Help You
  • Health Savings Accounts
  • Because…
4
4
5
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
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12
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13
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
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22
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
Record Keeping
28
Using an HSA for Retirement
29
Government Resources
30
Overall Impact of HSAs
32
Contact Us
33

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