About our agency - an independent health & benefits brokerage firm marketing high deductible plans since 1980
Key dates in our history:
1980 - Agency started - focus on high deductible plans for self-employed
1999 - Medical savings account (MSA) plans introduced as a "test plan" by Congress
2002 - First individual MSA policy sold over the internet (we haven't looked back)
2004 - MSA plans modified & renamed as Health Savings Accounts (HSAs)
Our agency is an independent, nationwide insurance and financial planning
firm specializing in the design and implementation of heatlh savings
account plans for its self-employed and small business clients. Simply stated, our firm
is the most comprehensive one-stop heatlh savings account
source on the net! First, we
help you obtain coverage under the “high deductible” HSA insurance
policy. By representing only the top-rated, major insurance
companies offering the HSA insurance plans (in most states), we
are in the unique position to help you select the best overall plan
for you. Then, we help you establish
your own HSA savings account with the leading independent administrator of HSA accounts (although you are free to open your account at any institution of your choosing).
Our services are provided at no charge to you in the anticipation that you will allow us the honor to become "agent of record" on your new HSA-qualified insurance policy. The agency is licensed in approximately 35 states. License information available upon request. If you already have an agent and would not be interested in switching health plans or in allowing us to become agent of record, please let us know up front so that we may modify our services accordingly.
The agency was founded in 1980 by C. Dean Richard, JD, MSBA. Mr. Richard is an experienced veteran of the
financial services industry, having entered the field in 1980 as one
of the original agents with NASE (National Association for the Self-Employed). Since the early 1990’s, he has been totally
independent, thereby allowing him to recommend to his clients only the
highest quality plans underwritten by the highest quality
insurance companies. Because of his
early involvement in the consumer-driven health plan industry (marketing
HSA plans and their precedesor, MSA plans, almost exclusively since
1999) he has become known to many and especially on the internet as
"the HSA king". Indeed, because his websites were the
FIRST to focus on MSA & HSA plans, many other websites have (somewhat unfortunately)
decided to basically "copy" his concepts, sometimes word-for-word (yes, that is the reason for the "copyright infringement" notice at the bottom of each page).
Questions often arise regarding those intials used in Mr. Richard's signature box. For the record, one is a law degree (Juris Doctorate or JD for short) and the other is a Master's in Business Administration (MSBA). In 1996, Mr. Richard became one of a small, elite group of financial advisors to obtain a law degree from an ABA-approved law school (Texas Tech). Then in 2004, Mr. Richard obtained a Master's in Financial & Tax Planning from San Diego State, graduating with highest honors. (SDSU remains one
of only a handful of top-tier universities offering a comprehensive
masters-level program in financial planning.) With his dual advanced degrees, Mr. Richard is one of very few financial advisors to hold both a law degree and a Master's in financial planning from highly accredited universities.
One of the more interesting developments in his career occured in the fall of 2007 when he accepted an invitation from his alma mater law school to teach a law school course. During that semester, "Professor Richard" taught an appellate advocacy course to advanced law students. He has since returned full time to his insurance and financial planning practice (after learning that being a law school professor has certain financial limits).
It is our sincere wish that you find our site to be of service. Should you be so inclined, we would be delighted
and honored to have the opportunity to assist you in obtaining qualified
HSA health insurance coverage, after which time we can also assist in
establishing your HSA account.
To learn more about the HSA Insurance plan and how it can save you money, take the time to surf the
links on our site. You won’t find a more
comprehensive resource on the net. To get started, just click on the orange "GO" button to get a quote for HSA-qualified health insurance. We will contact you with a proposal and will be delighted to
help you get started saving money with your own heatlh savings account
Thanks for visiting!