A Health Savings Account (HSA) is a versatile savings account that works in conjunction with a High Deductible Health Plan (HDHP) to pay for qualified expenses of an account holder. HDHP is a popular type of coverage in many of today’s employee benefits programs. An HSA is a personal investment account offering a great deal of flexibility in using the assets. The funds in the account can be used to pay expenses not normally covered by your health insurance—but, on a tax-free basis.
The account holder has complete control over it. You have the freedom to use HSA funds for out-of-pocket expenses at the health provider of your choice. If you are currently enrolled in an HDHP, opening an HSA is a great way to cover any medical needs that don’t meet the large deductible requirements.
You save money with a more cost-efficient insurance program and still enjoy
high-quality health coverage.
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