Colorado Health Savings Accounts
Offers Premium Savings and Tax Advantages!
At HSA Colorado our mission has been, and still is, to help you regain control of escalating healthcare costs. Health Savings Accounts have now been in existence for ten full years and they have had a significant impact on the changing mindset of the health insurance industry. With the advent of the Affordable Care Act, almost all plans offered now follow the original HSA model. The deductibles are higher as with the original HSA model, but there is a maximum out of pocket cap after which all medical expenses are paid 100% for the rest of the calendar year. This provides a maximum, limited liability for the insured. While this is an important positive, the fact that all the plans are now following the same model has reduced the differences in price points, which, in turn, has narrowed the differences in pricing between non-qualified and qualified HSA plans. However, if you have two plans with virtually the same medical benefits and the same pricing, the plan that provides for tax deductions and allows you to build a significant asset, still gives a you financial advantage over the non-qualified plan. Health Savings Accounts still allow you to:
Earn interest tax free
Choose your own doctors
Limit your maximum out of pocket medical liability for the entire family
Roll unspent funds into the next year
Access non-traditional treatments (Chiropractic, Acupuncture, etc)
Access basic services such as Dental and Vision as well as Physicians
Pay for prescription medications
Take your HSA funds with you, even when changing jobs
Save for Retirement
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