HSA for America Testimonials

"Finally… a break in the medical / insurance industry racket!"

Dealing with insurance issues has never been any fun, but I found between your site’s info and your quick and efficient handling of my questions, I was able to make a good decision in less time and move on.  I’ve sat in the same room with insurance guys who couldn’t make the process as clear to me as you did through your web site.  I’ve already passed your name on to several friends, something I never did with my former insurance agent/broker.

At this point, our new HSA-qualified plan only covers a major medical situation, so my family is covered if we do need “MD” type services, yet my out of pocket expenses for the plan itself are $1,300.00 less per year.  In a nutshell, I pay considerably less for my insurance, get a tax break on the money I use for my healthcare expenses, my healthcare money can grow if I don’t need it and I never lose it if I don’t use it.  Finally it’s a bit of a break in the medical / insurance industry racket.

For me and my family, it’s all about staying healthy and for now, HSA’s are the best and least expensive way to assist that while having a backup plan in case we need one.

Hope these comments are useful for you and give you an idea how pleased I am with your service and the decision I was able to make for me and my family.  Please let me know if I can be of any further help to you.

George Briggs
PCPlex.com
Scottsdale, AZ

"Your useful and helpful website combined with rapid and courteous follow-up is a winning combination!"

Your website is awesome!  I especially liked the ability to shop for policies by myself before I started talking to an agent.  I’m the guy who likes to peruse the car lot by myself, free from high pressure salesmen.  When I’m ready to buy, I know where to go ask for someone.  Your website let me narrow down the policies to the one’s that I was interested in before I spoke to anyone about buying.  It made it very easy for us to compare the plans available to us.  Also, many other websites I looked at would take all of your information and then tell you that someone would be contacting you soon.  I like the instant gratification of seeing the real quotes on screen in a matter of seconds.

Once I was ready to communicate, I got a rapid response back to the questions I asked regarding coverage.  We then had a very good conversation with Fred Adams concerning the advantages of HSA's for individuals that are self-employed.  Our previous insurance agent was simply not knowledgeable of the products he was selling.

I have recommended you to others, and definitely will continue to do so in the future.  The service has been excellent and all of our questions and concerns have been answered completely and promptly.  Keep up the good work!  Your useful and helpful website combined with rapid and courteous follow-up is a winning combination!

Jeremy Stollings
IT Consultant
Amarillo, TX

"You provided excellent service and you really made the job of finding the right coverage for me easy.  I can't think of anything you could do better."

I was looking specifically for a HSA compatible plan when I came across your site.  All the important information is certainly there and easily accessible.  I learned about the many investment options available through HSAs from your site.

I will definitely fund my HSA, in fact I will probably go ahead and pay my premiums and medical expenses out of pocket (post-tax), because I want to maximize my tax free compounding interest in the HSA account.

My previous insurance plan cost nearly $1,000/month with $5,000 deductible and 10% coinsurance thereafter.  My HSA compatible plan costs $194/month with $10,000 deductible and pays 100% thereafter.  Even if we meet our deductible we are about even with the old plan.  If we remain healthy we will be well ahead.

My only regret is that I did not act quickly enough to have my plan in place before the new year, so my maximum contribution is slightly lower this year.  I have to say, though, that you did warn me about this in your emails.

You provided excellent service and you really made the job of finding the right coverage for me easy.  I have already recommended you to others.  I can't think of anything you could do better.

Rob May
Ypsilanti, MI

"You are saving me so much money!  Thank you!"

You are saving me so much money!  You found the perfect program suited for my needs.  Thank you!  I was looking for a cheaper premium and better service than what I had, and I found that with you!

I was paying Mega Health a premium of $133.00 per month and if I remember correctly, I had certain benefits where they would cover up to a certain amount for certain things, but then I had a deductible of $2,000.00....for accidents...I think... It was very confusing.

With Mega Health, I didn't really know all that I was or wasn't covered for.  And since I thought I was covered for doctor visits, etc. I went a few months ago for a check up.  So when I started getting bills which now total $400.00 so far... I decided it wasn't worth spending $133.00 a month if I was going to have to pay most of the bill anyway!

I now pay a premium of $58.00 a month and my deductible is $2,700 which my HSA will be adding up to here in the next year.  I actually understand what I have and what I'm covered for and everything.

I didn't know there was anything like an HSA out there.  It is perfect for someone who never goes to the doctor.

Over all, I didn't have to pay a $120.00 start up fee with you, I'm saving $75.00 per month from what I was paying, and I'm able to deduct from my taxes what I deposit into my HSA, which will save me more money!  And for someone just recently married and starting out in life, $75.00 adds up very quickly.  That's $900.00 a year that I'm saving.  Thank you!

I would definitely recommend you to others!  You've been very helpful when I had questions and prompt with calling me back.  I like the fact that I can call you anytime with a question, and the fact that you will always look for a better premium for me if my current one goes up.  You guys are awesome!

Naomi Hilleshiem
Administrative Assistant
Cedar Rapids, IA

"I've spent some time on my local talk show (which covers most of the northern half of California) talking about your website."

People complain about the high cost of healthcare but are not doing anything about it.  I found out about your website and thought it was beneficial enough to tell my audience.  It is a great resource for people who want to learn more about Health Savings Accounts.  I've spent some time on my local talk show (which covers most of the northern half of California) talking about your website.

Tom Sullivan
News Talk 1530 KFBK in Sacramento CA

"Now, will you please develop sister businesses that similarly educate customers by providing clear information in a timely manner facilitated by professional employees?"

Hello again, Fred.  It's always nice to be the recipient of great service, so providing this feedback is easy!

We chose to do business with HSA for America because you provided a clear, concise and user-friendly web site.  Since we had no experience with an HDHP, nor an HSA, we were in need of a business that had the skill to know our needs and the expertise to educate us about the choices available to us.

We have had a very positive experience with your company to date.  Customer service, which came in the name of "Fred Adams" was outstanding.  Your responses to my many questions were both prompt and thorough.  I believe you had a genuine interest in helping us obtain all information necessary to make an informed decision.

I appreciated the use of email and fax -- and the fact that both email/fax were personally responded to either instantly or within a few hours.  A real person (Fred) was on the other end of the line/email and we didn't get the "canned" response sometimes sent by other companies. (Well, some emails were canned...but never in response to any of my direct questions).  And, in truth, even the canned emails were useful in providing information.

We have recommended you to others (good news for retirees in our similar situation), and will continue to recommend you in the future.

Now, will you please develop sister businesses that similarly educate customers by providing clear information in a timely manner facilitated by professional employees.

Kathleen (and William) Harris
Florence, OR

"The personalized service I've received has been excellent: responsive, informative, clear, and helpful."

There are many things that really set you apart from other insurance consultants.  These include your communication ability, both written and spoken, and your non-manipulative approach to providing useful information.

Quality customer service is all but gone in today's automated and formulaic "service" economy.  It is nearly non-existent in the insurance industry.  But the personalized service I've received has been excellent: responsive, informative, clear, and helpful.

I have told a lot of my friends about you.  I have never recommended an insurance consultant before but I told people just because it was such a pleasurable positive experience.  Their question is: "What other states can you provide service to?

Joy Amulya
Fort Collins, CO

"We don't often get sick and so we've wasted thousands of dollars paying high monthly health insurance premiums.  Finding out about Health Savings Accounts couldn't have come any sooner."

My husband and I are both self-employed and more often than not we've looked for ways to maximize our tax savings.  We don't often get sick and so we've wasted thousands of dollars paying high monthly health insurance premiums.  Finding out about the Health Savings Account couldn't have come any sooner.  It was the perfect match for us. After setting up our HSA we found that the resources out there were minimal.  We knew all about the potential savings of having an HSA but no one ever explained the rules until HSA for America.

In February 2006 I read about HSA for America and your newsletter Maximize Your HSA, and my husband and I decided we should subscribe.  Our first newsletter was received in February and we received a wealth of information about how to maximize our HSA.  We were thrilled to find a resource that not only educated us, at no cost and also pointed us towards useful resources.

For many years we've done our eye exams at the very same office and never thought to question the cost or even to shop around.  Thanks to HSA for America we did some comparison shopping and found a specialist that did the very same eye test for 51% less than what we had paid in past years.  We've also become more proactively involved in how our healthcare dollars get spent and have thus realized a higher level of healthcare.

Maggie & Bo Aina
White Plains, MD

"You were very knowledgeable, and were able to answer questions that no one else was able to, not even the sales reps at the United Healthcare home office."

Thank you for helping me set up my HSA plan.

I was previously covered with a Blue Cross Blue Shield group policy, but had just left my place of employment to start my own business.  After speaking with many local agents, and calling some insurance carriers direct, I called you to get one last set of quotes.  You were very knowledgeable, and were able to answer questions that no one else was able to, not even the sales reps at the United Healthcare home office.

I asked you to find the lowest priced HSA plan available to me in Surprise, Arizona.  The plan you quoted me was priced about $50 less than a plan I was considering from United Healthcare.  When I told you about that quote that I had already received, I was surprised that you suggested I take that plan over the less expensive plan you had quoted, even if I did not buy from you.  You told me that you thought that the United Healthcare plan would be a better value because it has a higher lifetime maximum, the insurance company has a higher A.M. Best rating, and the company has a reputation for better customer service.

Even though it was going to cost you the sale, you told me the truth rather than giving me bad advice just to make the sale.  I was impressed with your directness and honesty.  I also like the fact that I can contact you anytime I need help, rather than having to deal directly with the insurance company.

It was for these reasons that I decided to get the United Healthcare plan from you at HSA for America.  I would add that a decision of this magnitude deserves the assistance of an honest and knowledgeable personal representative.

Since I've been approved, you have continued to provide quick and comprehensive answers to my questions.  All I can say is Wow!  I truly feel that you went beyond my expectations in providing this service.  My family and I thank you.

James Trefry
Surprise, AZ

"Our medical insurance is now costing less than half of what it was before we got an HSA (we're saving over $3,500 a year in premiums), and we can save federal-tax free."

I very much appreciate what you have done for my wife and I.  HSA for America offered us a great variety of plans to choose from.  Our medical insurance is now costing less than half of what it was before we got an HSA (we’re saving over $3,500 a year in premiums), and we can save federal-tax free.

HSA for America provides outstanding service.  Most other companies have you on hold and entering numbers on the phone until you are completely fed up.  While you provide all the questions and answers.  I did not even have to ask questions - you have provided all the questions and answers for me.

I talk very favorably to my friends about your company.

Beryl Sanders
Loomis, CA

"I'm a physician and I've trumpeted the cause for portable insurance with higher deductibles for years.  I'm glad you are out there getting the word out."

I enjoy your news letter and almost always learn a lot of good tips.  As a skier who broke my leg 4 years ago, I can relate to your snow boarding story.  I think I will purchase an accident policy based on the benefits that you outlined.

I'm a physician and I've trumpeted the cause for portable insurance with higher deductibles for years.  I'm constantly running into patients that don't have any health coverage.  Most say they can't afford it.  That's when I launch into my speech about how it is really affordable, but the major players in the pre-paid health care industry (third party payors is the politically correct term) don't want people to know that they can afford alternative coverage that is actually less expensive!

Convincing people that first-dollar benefits are very expensive to insure is not easy.  You have done a very good job of getting the message out.

I'm glad you are out there getting the word out.  Thanks from those of us in the health care industry who are concerned about access and affordability and helping us get back to a point where price shopping, supply and demand and other market forces keep prices in check.  I long for the day when networks are a thing of the past and insurance is truly portable.

I've actually referred a couple of patients to your website as an information source on HSA's and high deductible plans.  I've got to be careful not to endorse any certain broker or company, so I emphasize the HSA part of what you do and encourage them to educate themselves as much as possible and find the plan that fits their needs.  The uninsured often argue the reasoning for paying a premium for a deductible that they never meet; I use the example of one week stay in the ICU after an accident or major orthopedic surgery which could easily be 50-100k.  I tell them a $10,000 bill won't bankrupt you but a $100,000 bill certainly could.

Robert Nelson, MD
Pickerington, OH

"The thing that sets you apart from the other companies is that you responded and then followed through with all the various recommendations you gave me."

My experience with HSA for America was great.  I chose to do business with you because you responded quickly and efficiently to my email request for information.  I got the advice I was looking for and all my questions answered in a timely manner.

The thing that sets you apart from the other companies is that you responded and then followed through with all the various recommendations you gave me.  My experience with several other companies was that they made the initial contact and then I never heard from them again.

I have already passed your name to others.  I'm very happy with the change in coverage, it is really working out well for me.  Thanks again for all the time and patience in getting me set up.

Rita M. Lingwood
Fair Oaks, CA

"I love the idea of HSAs philosophically because it reintroduces capitalism into the medical profession where it no longer exists."

I love the idea of HSAs philosophically because it reintroduces capitalism into the medical profession where it no longer exists.  I like the idea of the consumer actually being the payor of services rendered.  I think that's the ultimate price control.  If I don't like the price, I take my business elsewhere.  I get to make the decision about what can/can't be spent on my medical care.

From a practical standpoint, I hate paying $7,200 in premiums per year for services not needed, especially if I still need to pay the $1,500 deductible.  So that's $8,700 dollars paid before I really start "benefiting" from owning insurance.  I can afford the premiums, but it's just not a financially sound use of my hard earned dollars.  I make enough income to fund a few thousand dollars per year of out of pocket dental and preventive medical expenses.  I believe if everyone switched to the HSA concept, there would be no discussion of the high costs of medical care for the average American.

Joy Amulya
Research Associate and Lecturer, University of Colorado Health Sciences Center
Fort Collins, CO

"I am most pleased with your service/company and agree with you that I have not seen such customer service any place else."

I am writing to again thank you for your help and information during my search for a health insurance plan.  I am most pleased with your service/company and agree with you that I have not seen such customer service any place else.  I will indeed pass your name and your company's name on to others or let you know when I get a rate increase.  Bye for now.

Kevin Aho
Painter
Shelton, CT

"We would recommend your services to any and all who are interested in saving a lot of money on health insurance."

We are very pleased with our first HSA shopping experience.  You provided valuable advice which enabled us to choose the right plan for us both in Michigan where we live now, and in Oklahoma where we will be living in the next few months.  We would recommend your services to any and all who are interested in saving a lot of money on health insurance.

David White
Anesthesiologist
Stevensville MI

"I am very happy with the Insurance premium and your service!!!!"

I had employer-provided benefits prior to my interest in HSA's.  When my employer raised our biweekly contribution to over $60.00, I looked into HSA's.  I couldn't believe the savings they could provide for me (a single, healthy female)!

I actually tried to get as much info on HSA's as possible and presented the information to my employers hoping they would decide to go in that direction.  I realized that they would STILL save money if they provided everyone with an HSA and even funded it for them.  I think because it was "out of the box" thinking, they declined but I went ahead and started one for myself.

I am currently saving about $50.00/month in premium, as my employer once again raised employee contributions.  Why more people and employers don't do this is beyond me.  I think if you're a fairly healthy person, the potential for saving is REAL.

I don't fund my HSA.  I figure I will pay for my services as I go.  I still save money!!  I am very happy with my HSA.  It seems to be the wave of the future.  Finally, we have an option.

I am very happy with the Insurance premium and your service!!!!  My experience has been pleasant applying for insurance and most people told me it would be a hassle.

Marsha Noecker
Medical Billing Manager
Reading, PA

"I am steering as many as possible to your website and HSA plans"

I am steering as many as possible to your website and HSA plans.  I just forwarded your latest email newsletter to 4 others I know.  With the low available premiums, HSA plans are not just for the "rich" as some liberals would have us believe.  And Fred was extremely helpful to me in getting ours up and running.  He is very personable and knowledgeable, and kept me abreast of the whole underwriting process.  Kudos to Fred.

Ty Bell, M.D.
Boone, NC

"Your customer service really sets you apart from most other companies"

After researching HSA's, we settled on Golden Rule and somehow were connected with your agency.  My experience has been great with your agency...no complaints.  Your customer service really sets you apart from most other companies.

Susan Parry
New Smyrna Beach, FL

"I feel like I have a personal advisor who is interested in my family and its needs"

My experience working with HSA for America has been great.  I feel like I have a personal advisor who is interested in my family and its needs.  What really sets you apart from other companies I have done business with is the personal touch.

I have recommended you to others, and will continue to do so.  Keep up the good work.

Greg Wilber
Service Administrator
Aliquippa, PA

"You made the entire process very easy"

You made the entire process very easy.  You suggested a policy, I examined your suggestion, shopped your rates, and concluded you were offering what I needed at a fair price.  I have recommended you to others and am adding a link to your firm on a website that I own.

Bo Rathgeber
Palos Verdes Estates, CA

"I really appreciate your level of communication"

I contacted you after my partner found you on the web, signed up and felt good about the process.  So far I am impressed! I really appreciate your level of communication, and efforts like the Maximize Your HSA newsletter that helps me save money.

Marguerite Ogle
Longmont, CO

"This was the smoothest experience we've ever had getting health insurance"

This was the smoothest experience we've ever had getting health insurance.  I don't really remember how we stumbled on to your web site, but I'm glad we did.

Judithe Bernthal
Retired
Blairsville, GA

"The service and support have been top notch"

I chose your company because your web site was very informative and answered all my questions about the benefits of an HSA plan / account.  The service and support I received from your company (Fred) has been top notch.  Very fast responses to emails.  Your web based business model and great follow-up set you apart in my mind.  Keep up the good work.

Greg Kreitner
Attorney
Muscatine, IA

"The HSA for America web site is the best I’ve seen – a wealth of information"

The most frustrating thing about shopping for health insurance has been getting good unbiased advice from a knowledgeable firm.  I have been literally hounded by salesmen marketing "insurance" that was really just a discount medical plan.  In addition, working directly with the insurers themselves was sometimes frustrating - as their representatives were typically not very responsive.  With HSA for America, I received prompt and courteous service from knowledgeable representatives.  The HSA for America web site is the best I've seen - a wealth of information for somebody shopping for an HSA eligible insurance policy as well as HSA account administrators.

Thanks for your advice and service - I hope we can continue a mutually beneficial relationship for years to come.  When the opportunity presents itself, I will definitely recommend HSA for America.

John Janney
Anthem, AZ

"I appreciate your involvement with
Habitat for Humanity, and your involvement in the music industry"

Shopping for health insurance has always been a headache, because it can get very confusing.  Making a good decision on a plan is very time consuming and stressful.

The main benefit of having an H.S.A. plan is that I spend money on my medical expenses when I need them, instead of paying high premiums when I don't.

So far, I have had a great experience with HSA for America, and I would recommend your company to others.  I appreciate your involvement with Habitat for Humanity, and your involvement in the music industry.  Great job!!!

Ryan Hiller
Musician - RyanHillerMusic.com
San Diego, CA

"I have received superior service"

I have had a positive experience and feel I have received superior service.  I don't spend long hours on hold waiting to speak with someone.  You either answered my questions quickly or obtained an answer from Golden Rule quickly.  I have already recommended you to others.  And your Maximize Your HSA newsletter provides great information.  Keep sending them!

Vickie Haberbosch
Sales Manager
Lakeland, FL

"The attention you pay to your customers is remarkable"

We chose to do business with you because your website was so thorough and explained HDHP's and HSA's so well. The service has been above and beyond my expectations.  You guys are awesome!  The attention you pay to your customers is remarkable.  I already have and plan to continue to recommend you to others.

Glenn Robinson
Carpenter
Breckenridge, CO

"Application is extremely straight-forward, customer-friendly, quick and intuitive"

What's normally frustrating in searching for health insurances is the lack of easy access to all the offers on the market, the difficulty to compare the different plans.  The service you offer is a comprehensive chart listing all available plans with their features and prices so it was easy for me to find the most suited option at my fingertips.  I can run quick comparisons between plans to see the differences in coverage and price.  The online paperless application is extremely straight-forwarded, customer-friendly, quick and intuitive.

Fred has been very promptly responsive to my inquiries and makes me feel like he's there to help me out throughout the life of the plan.  When he says he will always be looking for price changes and have recommendations if a different plan is needed, I feel like he's helping me managing my plan and I don't to worry if I'm paying too much.

Trung Nguyen
Computer Analyst
Denver, CO

"You Made It Easy To Compare Prices and Services of the Different Plans"

I am very pleased with your service.  Your email response to my questions was very quick and thorough, and you made it easy to compare prices and services of the different plans.

The service has been quick and thorough, and really beyond expectation.  I like that you deal directly with the health insurance company for me, so I didn’t have to through their phone system to ask for an additional insurance card.  Thank you for handling it for me!

Holly Weise
Austin, TX

"Thanks for all the good advice"

Okay, I've finally set up and funded my HSA, with HSA Bank.  So far so good.  I'll be moving more money into it this month and then adding as much as possible in later years.  Great savings vehicle.

The frustrating thing about shopping for health insurance is the complexity.  I don't have the attention span to read through these kinds of contracts, so I have to just assume that most of what I'm skipping is boilerplate that has been looked over and approved by more patient people.  Having you doing that is a big comfort.

The fact that you consolidated the plans and the HSA providers was a big help.  Just doing a Google search would have turned up a lot of them, but with no sense of which are legit and which are scams based in Russia or someplace which will disappear as soon as they've got my money.

Thanks for all the good advice!

John Rubino
Moscow, ID

"Everyone in America should know about the option to have an HSA."

This was the first time I shopped for an independent plan.  Always felt constrained by signing up for an employer's expensive plan.  Your services were personal and all my questions were answered timely and in an easy to understand fashion.

You guys were great.  Very helpful and seemed as if you really cared about my family getting the best for our money.

What do I see as the main benefit of having an HSA-qualified plan?  Less premiums!  We were paying a high premium with my husband's company (through Coventry of Kansas) and all the time they were telling us they wouldn't cover something.

Everyone in America should know about the option to have an HSA.  You should do more advertising!

Amy Castillo
Language Teacher
Kansas City, MO

"I will recommend you to everyone I talk to about insurance"

You guys were Johnny on the spot with a replay and help with all the documents.  The process was easy and fast.  I greatly appreciate it.  Fred was terrific about getting the work done and keeping us informed.  Bravo.

The main benefit to an HSA plan is the ability to pay less per month and keep part of my contribution in a savings account that is mine.  I think this is the way all plans should be.  I am tired of paying for everyone else's band-aid problems.  Insurance should be for catastrophic problems not for flu shots.

I will recommend you to everyone I talk to about insurance.  You guys are doing a great job, just keep it up.

Travis Edwards
Beech Grove, IN

"I have told everyone I know about HSAs and HRAs and your company"

I have told everyone I know about HSAs and HRAs and your company because I feel everyone should have more knowledge and control over their health care and finances.  The main benefit is putting our money where we have control over it and having a tax shelter for our savings.  Your service differs because it includes information and access to products and opportunities that help cut health care costs for everyone.

Keep up the good work.

Joseph Yesville
Nashville, TN

"I felt your advice and information was objective and I didn’t feel pressured at all."

I felt pressured by other agents to choose a certain policy even if it didn't meet my requirements.  I liked your website because I could compare plans and companies by price and coverage and knew that it would qualify as an HSA plan.  I felt your advice and information was objective and I didn't feel pressured at all.  I felt your service was personalized and appreciate all the follow up info.

All in all it was a great experience, great service.

Brigette Haram
Martinez, GA

"I am very, very satisfied with the service I received from HSA for America."

I am very, very satisfied with the service I received from HSA for America.  I had shopped around for a health insurance plan two years prior to contacting your organization, and was not able to find a suitable plan.  Part of the problem was that I was not aware of the option of opening an HSA account.  Then I became frustrated when I discovered that in order to open an HSA account, I needed to switch my insurance plan to an HSA-certified health plan.  But, this frustration was diminished by finding your web site and organization.  Everyone was helpful, considerate, and quick to respond to my questions.  I now have a plan in place, and I have recommended you to two of my friends who are facing loss of their insurance (as they move to freelance positions, rather than as employees). Thanks again.

Rebecca Nunnelee
Santa Monica, CA

"My husband is now free to plan a retirement date."

I worked through a private insurance broker before and got no help, no answers to questions, and was refused by every company with no negotiations.  I couldn't figure out what happened, and I got no answers to my questions.  I was reluctant to try again.  But my husband, who I had a group plan with, wanted to retire and couldn't because of my insurance.  So, I tried again, this time through you.

I always got prompt email responses from you or Kristy during the long process of filling out applications and submitting them.  I felt that your company had an eye on the apps and kept me well informed as to the progress.

I have had a good experience with your company, and my husband is now free to plan a retirement date.  We are grateful.

I have the recommendation package to give to the first person who begins to talk about getting an individual health plan.  As a Marriage and Family Therapist, I am in contact with many people in private or small group practices, who speak often of not having healthcare.  I will pass it along at the first opportunity.

Susan Carter
Marriage and Family Therapist
La Verne, CA

"The resources available on your site have been a great asset."

My experience has been great and the service has been great.  Both you and Kristy have been easy to get in touch with, especially through e-mail, and you have both been very quick and informative in answering my questions.

I was already paying a great deal of medical expenses out of pocket because of my daughter’s ear infections that were not covered.  With this HSA plan I can at least get a discount from the Dr. visits and a tax advantage for the visits I was paying full price for in the first place.

I have always found insurance annoying and felt many of the agents pushed me into specific directions without concern for what would work best for me, but out of more concern about which company would give them the biggest commission.  Your company has been different because you were very helpful.  You answered my questions and gave me advice, but I never felt you pushed me into a specific decision because of what it may do for you.

My only other comment is to say thank you for your help and I appreciate the work you have done in educating me in HSAs, and the resources available on your site have been a great asset!

Angie Coleman
Indian Trail, NC

"The difference of $600 a month was the first of many benefits that I found appealing."

Your company has been so helpful in my search for an HSA compatible insurance policy.

When I heard about the high deductible HSA policy's I started a search on the internet and found your web page.  Your web page was so informative that right away I started gathering your information and talked to my employer about setting up a policy that we could both work with.  The difference of $600 a month was the first of many benefits that I found appealing.  The second was that the savings account earns more interest then our regular savings and it is tax free.  It is a win win situation.

In the year that has followed you have kept me in the know with regular emails and I so appreciate them.  Thank you for being consistent in sending out those emails!  Then when I decided to get the policy going your web page gave me all the information I needed.  I did make one phone call and one email with another question and within just hours of my call or email I had the answers I needed.  Thank you again for being so helpful.

The main benefit is a toss up for us, one is the savings of $600 a month and the other is that we get to be in control of what we spend the HSA account on.

Would we recommend your company to others that would be a definite YES.  Keep up the good work and thank you for helping us!

Susan Gray
Alta, CA

"When Pam was denied you kept looking into other insurance..."

We have been very satisfied working with you.  You even called me on your day off to give us some information regarding our application we consider that to be above and beyond customer service.

When Pam was denied you kept looking into other insurance options without giving up just because she was denied by someone.

It has been a pleasure working with you.  I will continue to talk to people I know that are looking for health insurance and recommend HSA for America to them.  Thanks again to Paula Santamaria and Kristy Klenk for being so personable and professional.

We look forward to continuing our relationship with you and hope this insurance will work out well for us.

Pam and Paul Harrison
St. George, UT

"Both my husband and I turned down health insurance at our employers to get an HSA-qualified plan from HSA for America."

Health insurance is confusing, complicated, and overwhelming.  There are so many options and so many opportunities. I was particularly worried about finding an HDHP and HSA because these options are so new to me (and others too, I'm sure).  HSA for America and Fred Adams were extraordinarily helpful.  They answered every question I had with patience and offered advice free from personal conflicts of interest.  Fred actually recommended a cheaper option of health insurance for me, even though it meant less commission for him.

The main benefit of HSA plans - I am in control of my healthcare expenses!  HSA-qualified plans are more transparent than regular health plans.  I pay less money on my premium, have some control over my medical expenses, get considerable tax breaks, and have an opportunity to save for retirement.  What more can you ask for out of health insurance in today's world?

I received excellent service.  My experience was wonderful.  As stated, everyone I dealt with was patient and helpful. Service was fast and friendly.  The website is extremely easy to use and offered up-to-date information.  I will most certainly recommend HSA for America to anyone I know that is in the market for health insurance.  Both my husband and I turned down health insurance at our employers to get an HSA-qualified plan from HSA for America.

Emily Prather
Nashville, TN

"As a CPA with over 500 clients, I expect to be recommending HSA's and your company to many of them."

My experience with your company and my personal advisor Brian McFadden has been excellent.  Brian McFadden is a valuable asset to your organization.