You can provide affordable health care plans to your employees. If you feel overwhelmed by health care plan costs, you may be able to achieve far more than you believe. Here is how.

Real Needs, Real Solutions

Today, millions of EMPLOYED Americans depend on government aid, charitable organizations, and their own incomes to pay medical expenses. Until an extended illness or hospitalization occurs, these resources usually suffice. Read the rest of this entry »

In this era of very complex (and very expensive) health care plans, a new one has emerged to help Americans get better care at a better value. This new type of plan is the Health Savings Account, otherwise known as an HSA.

So what exactly are HSAs?

Established by the Medicare reform bill and signed into law in December 2003, HSA insurance plans enable Americans to pay for near-term medical expenses while saving for future long-term costs with tax-free dollars. These accounts come with an HSA-qualified insurance policy that covers major medical expenses and preventive care. Where they differ from traditional health insurance policies is that these HSA-qualified insurance plans have lower premiums, higher deductibles, and the savings from the lower premiums goes to funding the HSA. Read the rest of this entry »