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Health Savings Accounts
We strongly encourage you to consider a high deductible insurance plan paired with a Health Savings Account. If you haven’t heard of HSAs, you can find a lot of information on the Internet. Briefly, HSAs are a new financial vehicle that was authorized by Congress in 2003. They allow you to save money in the account before tax and to take the money out, at any time, for any IRS authorized medical expense (which is a huge list) tax free, the money can be invested in a mutual fund, it rolls over year to year--you don’t “lose” it like those cafeteria accounts some employers offer, and it’s your money--it isn’t dependent on your employer or the health insurance company they chose for you that year.
There are limits as to how much money you can invest each year in an HSA, and it depends on the amount of your deductible and whether you are single or a family. Some companies offer an HSA with a debit card, so you don’t have to file any claims and wait to be reimbursed. Currently, you can’t use money from your HSA to pay your insurance premiums, but that may change in the future.
Check out some of the web sites listed under “Health Resources” for more information.