Health Savings Account Plans for Individuals and Families

Over 11 million Americans are now enrolled in health savings account plans. Here are a few reasons why.

Advantage #1: Lower health insurance premiums.

Premiums are lower because you will carry a high deductible insurance plan instead of a traditional co-pay plan with lower deductibles. Most people save 40% or more on premiums alone.

Advantage #2: Lower taxes.

You'll save on taxes because all of the funds you deposit into your Health Savings Account are 100% tax-deductible. This is similar to a traditional IRA. In fact, Steve Forbes has dubbed the HSA as a "medical IRA."

Advantage #3: More control over healthcare decisions.

If you don't cherish the thought of an HMO doctor dictating your family's healthcare decisions, you'll love an HSA plan. That's because a health savings plan puts you back in charge of your own healthcare.

More Advantages - too numerous to mention

The entire list of advantages with a health savings plan is too long to mention here. Use the links to the right to learn more about how a health savings plan can help your family dramatically reduce the cost of healthcare.

Click for Quotes on a new
high deductible HSA plan

How much could you save with an HSA insurance plan?

It depends. But you can click here to see a graphic display showing how we helped one typical family save over $7,000 a year. (new browser will open)

Find out how much you can save - click the orange "GO" button toward the top of this page to start. We'll run the numbers for you and I will personally work with you every step of the way to ensure that you are well taken care of.


Due to healthcare reform, all new HSA-qualified high deductible plans have new benefits, including:
  • Unlimited Lifetime Maximum
  • Preventative Care Benefits with NO deductible, NO co-pays - NO out-of-pocket cost to you

Did you catch that last part? FREE preventative care benefits are now mandated by law, even with high deductible health plans! This is a great time to get into a new HSA health plan. In addition to lower premiums, you'll enjoy new benefits not available on most existing plans.

Other stuff of interest, perhaps

Besides my personal opinions on everything under the sun, one thing that's unique around here is the growing collection of my White Paper Reports. These reports represent a collection of some of the insider secrets I've accumulated in my career as a benefits advisor, dating back to 1980. Just click the appropriate link in the right column menu bar to see the complete list of reports. Some of the topics include:

  • How to Buy a Health Insurance Plan (general topic, not HSA-specific)
  • The Magic of High Deductibles (applies to any kind of insurance)
  • How Much Does a $20 co-pay Really Cost? (our most popular topic, for some reason)

Thanks again for visiting!

C. Dean Richard, JD, MSBA, "the HSA king"
Marketing high deductible health insurance plans since 1980

p.s. This site is owned by a real live insurance agent/broker who has been in business over 30 years. We've been online since 1999 and love it. But if you feel uncomfortable, don't worry - we put you in touch DIRECT with the insurance company of your choice. It's safe and secure. Best of all, you'll have instant access to me and all of the insider secrets I've amassed in my 30+ years of experience. If I can't help you, nobody can.

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HSA Plan Quotes
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high deductible HSA health plan!
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HSA Info Links
How an HSA Works (start here)
Current HSA Guidelines (IRS)
HSA PowerPoint (very cool)
High Deductible Plan Designs
Estimate Your Savings
Other HSA Info
White Papers-Insider Secrets
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Thanks for visiting! We offer true 1-stop shopping for HSA plans in 3 easy steps:

1. Learn how an HSA plan can save you money.
2. Get quotes for a new high deductible HSA plan.
3. Start saving with an HSA. You'll be glad you did.

I've been marketing HSA plans since 1997. Put my expertise to work for you. Get some quotes & start saving - today!

Thanks for using our site!
C. Dean Richard, JD, MSBA
Lic. Agent/Broker (since '80)
"the HSA king"™

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