Health Savings Accounts

Are you interested in setting aside tax-free money to pay for medical, dental, and vision expenses?  Are you interested in saving money for future unexpected healthcare costs?  If so, a Qualified High Deductible Health Plan paired with a Health Savings Account may be the answer for you!

To help you better manage healthcare costs, a Health Savings Account (HSA) is designed to save you money and make it more convenient to pay for your out-of-pocket healthcare expenses.

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You may be eligible to open a Health Savings Account if you are enrolled in a Qualified High Deductible Health Plan (also known as a QHDHP or a HSA-Compatible plan).   A HSA is a bank account owned by an individual and money deposited into it can be used to pay for current and future health expenses.

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Your HSA can produce significant cost savings in two ways:

  • First, because you must be enrolled in a qualified high deductible health plan, your premiums are generally less than plans with lower deductibles — therefore, your healthcare plan premiums may be more affordable.
  • Second, the contributions you put into your HSA are tax-deductible. This may save you hundreds of dollars a year or more on eligible healthcare costs.
    • Contributions are tax-deductible
    • Earnings are tax-free when used to pay for qualified health expenses
    • Withdrawals to pay for qualified health expenses are tax-free

The Internal Revenue Service (IRS) has issued the HSA and QHDHP limits for calendar year 2010 and 2011.

2010 & 2011
IRS LIMITS

Individual

Family

Minimum HDHP Deductible

$1,200

$2,400

Maximum HDHP Out-of-Pocket

$5,950

$11,900

Annual HSA Contribution Maximum*

$3,050

$6,150

*Additionally, Individuals over Age 55 can contribute $1,000 over the contribution maximum all years going forward for catch-up contributions.

Unlike some other types of accounts, you don’t lose HSA funds at the end of the year. Unspent balances remain in your account earning interest until you spend them on qualified health expenses. This will be a strong incentive for you to spend wisely on your care, just like you do on other items you purchase.  You’ll want to shop around for the best value for your health care dollars.

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For more information, visit our FAQ section on Health Savings Accounts and these other helpful resources:

  • Department of Treasury Website
  • IRS Website
  • Sample list of qualified expenses

Our HPHQ Gurus are highly knowledgeable about these plans and would be happy to educate further on the complex details and regulations of owning and using a Health Savings Account (HSA).  We would be happy to assist you with setting up an account at a bank that offers these products.

Come in to our HPHQ store today, contact us by phone, or complete our Individuals & Families Quote Request Form and an HPHQ Guru will contact you to discuss your situation and provide you with a quote.

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