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Laboring Without Health Insurance? HSAs May Be An Affordable Option
For years, Labor Day has meant
picnics, watermelon, softball games and kids having fun. But for millions
of working people, it also could rekindle memories of the old days when
having a job meant they didn't have to worry about health insurance. Times
are changing and HSAInsights.com can help.
Today, employment no longer guarantees health insurance coverage,
especially in small businesses. The National Coalition on Healthcare
reports that one-third of firms in the U.S. (and almost two-thirds of small
businesses) did not offer coverage in 2006. Nearly 1.3 million full-time
workers lost their health insurance the same year, bringing the total
number of uninsured workers in this country to 37.7 million.
The good news for these workers and others, including those who are
self-employed or retired, is that they now have more affordable options to
get the coverage they need. Many are choosing to purchase high-deductible
health plans with health savings account (HSAs), which have much lower
premiums than traditional health insurance and give people greater control
over how they spend their health care dollars.
"For families with about $1,500 in annual medical expenses, an HSA can
often save them more than $6,000 a year," said Scott Krienke, senior vice
president, individual markets, for Assurant Health, a leading provider of
HSAs.
More than 6.1 million Americans have already opened HSA accounts. In
addition to lower premium costs, there are several reasons for their
popularity. First, they allow you to save money in a tax-free account, like
an IRA, to pay for routine medical expenses. Your contributions (up to
$5,800 for families in 2008) are tax deductible and you pay no tax on
withdrawals for qualified medical expenses.
Second, your HSA funds are completely portable and roll over from year
to year -- even if you change jobs, take a job that doesn't offer
insurance, start your own business or retire. You can also pay for any
qualified medical procedure without having to get it specifically approved,
regardless of any pre-existing conditions. You can use your HSA account
during retirement to pay for health care, Medicare expenses and
prescription drugs.
Could you benefit from an HSA? One way to find out is to go to the Web
site HSAInsights.com. This site was designed to help you understand the
basics of HSAs and to provide resources and tools for making smart choices.
It even includes a calculator to estimate how much you can save with an HSA
compared to a traditional health plan and determine its potential future
value based on your expected contributions and expenses.
HSAInsights.com
http://www.hsainsights.com
Muncitor Fãrã asigurãri sociale de sãnãtate? HSAs poate fi o Affordable Opþiunea - Laboring Without Health Insurance? HSAs May Be An Affordable Option - articole medicale engleza - startsanatate