HSA-Qualified Health Plans

These are health insurance plans with higher deductibles that let you open a Health Savings Account. You put money into your HSA tax-free, and it grows tax-free. When you use it for medical expenses, you withdraw it tax-free. It's the only account that's never taxed. 

Lower Monthly Premiums
Higher deductible plans cost less each month. You save money upfront.

Triple Tax Advantage
Money goes in tax-free. Grows tax-free. Comes out tax-free for medical expenses. No other account does this.

Keeps Your Money Forever
Unlike FSAs that expire each year, HSA funds roll over. Build it up for retirement healthcare costs.

You Own It
The account is yours. If you change jobs or insurance, the HSA stays with you.

Invest and Grow It
Once you hit a minimum balance, you can invest HSA funds in mutual funds and watch it grow for retirement.

• 2025 Contribution Limits:
  $4,150 per year for individuals
  $8,300 per year for families
• Extra $1,000 if you're 55 or older

• You're young and healthy with minimal medical expenses
• You want to save for future healthcare costs
• You're self-employed and need tax deductions
• You max out your 401(k) and want more tax-free savings
• You're planning for retirement healthcare expenses

Your health plan must have:

• Minimum deductible of $1,650 for individuals or $3,300 for families
• Maximum out-of-pocket of $8,300 for individuals or $16,600 for families

Not everyone can open an HSA. You can't if you're on Medicare, claimed as a dependent, or have other health coverage that disqualifies you.

✓ Doctor visits and specialists
✓ Prescription medications
✓ Dental and vision care
✓ Mental health services
✓ Chiropractic care
✓ Medical equipment
✓ Long-term care insurance premiums (after age 65)

At age 65, you can withdraw HSA funds for anything penalty-free (but you'll pay income tax on non-medical withdrawals).

Smart move: Pay medical expenses out-of-pocket now while you're working. Let your HSA grow untouched. By retirement, you'll have a massive tax-free account for healthcare costs when you need it most.

Average couple retiring today will spend $300,000+ on healthcare in retirement. An HSA helps you prepare without getting crushed by taxes.

HSA Plan Advantages:

• Lower monthly premiums
• Tax-free savings that grow
• Money is yours forever
• Can invest for long-term growth
• Great for healthy people who don't use much healthcare

Traditional Plan Advantages:

• Lower deductible means insurance kicks in sooner
• Better for people with chronic conditions or high medication costs
• More predictable costs

1. Pick an HSA-qualified health plan
We'll help you compare options

2. Open your HSA
We'll help you set up an account at a bank or credit union

3. Start contributing
Monthly or lump sum - your choice

4. Use or grow the money
Pay medical expenses or let it build for retirement

"What if I don't use all the money?"
It rolls over forever. There's no "use it or lose it" like FSAs.

"Can I change how much I contribute?"
Yes, anytime. Increase, decrease, or stop contributions as needed.

"What happens if I use HSA money for non-medical stuff?"
Before age 65: you pay income tax plus a 20% penalty. After 65: just income tax, no penalty.

"Can my employer contribute to my HSA?"
Yes, and employer contributions don't count as taxable income to you.

CALL NOW:  800-835-1776

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