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How To Save Money On Health Insurance Premiums Using HSA's  by: Charles E. White Opening a health savings account (HSA) can save you hundreds on your health insurance premium and help pay for out of pocket expenses and deductibles. Anyone younger than age 65 who buys a qualified health insurance policy with a deductible of at least $1,000 for individuals, $2,000 for families, can open an HSA. An HSA lets you set aside pretax money up to the amount of the deductible (with an annual maximum of $2,600 for singles; $5,150 for families). You can use the money tax-free for medical expenses, and anything left over grows tax-deferred. You can use the money for anything after age 65 without penalty, but you will owe income taxes on any money that isn't used for medical expenses. In many cases, the cost savings from buying a high-deductible policy make up for the higher out-of-pocket medical expenses you'll have to pay -- not to mention the tax benefits. The HSA Insider Web site (http://www.hsainsider.com) has a comprehensive list of insurers offering HSA-eligible policies and financial institutions providing the investment accounts. You can also search for a quality high deductible health insurance plan to complement your HSA at Best Insurance Deals (http://www.Best-Insurance-Deals.net). About The Author Charles White has authored several informational articles related to saving money on insurance. He is the owner of Best Insurance Deals, a website offering several sources of free insurance quotes saving you hundreds on Auto, Life, Health, Long Term Care and RV insurance. You can visit the website at http://www.best-insurance-deals.net and save money today. This article was posted on August 18, 2004 Read More Articles from the "Health" Category: Guide to Natural Acne Treatments by Ruth Stattmiller Cosmetic Dentistry NYC adds to your charm and personality by Brad Taylor Finding The Right Exercise Intensity by Lynn Bode Hoodia gordonii is no miracle weight loss pill by Mike Adams Mesothelioma: Causes, Symptoms, Prevention and Lawsuits by David Arnold Livingston Self Forgiving is Essential for Healing by Dr. Tim Ong Urinary Tract Infections Helped with Cranberry Juice by Alfred Jones 7 Killer Ways To Maximize Your Fat Burning In The Gym by Wesley Atkins Health And Fitness - How To Get Great Body Shape-Stay Fit And Healthy by Chris Chew What is Sleep by David Chandler << Back to "Health" Index

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