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Health Savings Accounts (HSA)

Setup an HSA and all your medical expense, and health insurance premiums are tax deductable. http://www.affordableinsurancepro.com/HSA.asp
For many people, out-of-pocket medical expenses are a relatively small expense each year. A Health Savings Account or HSA is a tax-free financial account combined with a qualifying high-deductible health insurance plan that is designed to help individuals save for future health care expenses. Cape Coral Insurance Center can help you find the best HSA.

An HSA can enable you to lower your health insurance premium by 30 - 50%, reduce your income taxes each year and build a medical retirement account for the future. Contributions are deductible, the account accumulates tax-free, and withdrawals used for medical expenses are tax-free. If you regularly fund your HSA, and are fortunate enough to be a healthy individual, a substantial amount of wealth can build up in your account. Plans are available for individuals and families. You, your employer or both can make contributions into the HSA. Funds from the HSA would be used for doctor visits, purchasing prescription drugs, or paying other qualified medical expenses and would be put toward your high-deductible health insurance plan. Once the deductible is met, the health insurance begins paying part or all medical expenses.
You may also use your HSA account to cover medial related expenses that might not be covered by a health insurance policy, often including but not limited to:

Dental Expenses	Mental Health Therapy	Physical Therapy	Alternative Treatments
Transportation & lodging related to health care.	Preventative & Wellness Programs	Non-Prescription Medications	Maternity Expenses

The HSA account can be used to pay these expenses for any spouse or dependent member of the family, even if they are not covered under the insurance policy.

A one-time roll-over from your IRA (Individual Retirement Account), HRA (Health Reimbursement Arrangement) or FSA (Flexible Spending Account) is allowed. If your employer makes an HSA contribution for you, it is excluded from income, and not subject to any income tax or FICA.

First you must have a high-deductible health insurance plan that qualifies to be partnered with an HSA. These plans are available through Cape Coral Insurance Center. Once your insurance policy has become effective, you may fund your HSA account.
Call Cape Coral Insurance Center to find out if a Health Savings Account is the right solution for you. Cape Coral Insurance Center can find you the Best HSA for your needs and budget.

Bryce Grimsley
Licensed Insurance Agent
Licensed to sell insurance in Florida Ohio and Indiana
239-357-6415
Fax 888-308-8394