Save Time, Save Money, and Get
Unbiased Expert Advice
from HSA for America

Throughout our website you will find information about HSA contribution limits, eligible expenses, investment options, insurance plans, and monthly premiums.  Simply follow the instructions on our "How to" Guide page, and you'll find it is easy to compare plans and choose the best plan for your needs.  You can then apply securely online, or fax/mail us your application.

There are usually quite a few plans to choose from, and it can sometimes take some time to compare all your options.  Because we know HSAs and HSA-qualified health plans so well, scheduling a telephone appointment with one of our friendly Personal Benefits Managers can save you time, save you money, and give you the peace of mind knowing that you've made the best possible decision for yourself and your family.

Schedule a Telephone Appointment! Appointment Form

Where to Get Your Information and Advice

If you want to discuss your health insurance needs with someone, you have several options.  You could just put your name and contact information in a "Request for Quote" website.  They will sell your information, and in a matter of hours you will have several insurance agents calling you, telling you why their plan is the best one.  Because the insurance business is easy to get into, many of these salespeople may have been selling used cars or vacuum cleaners last week.  They may sell you a policy today, but when you call them in 6 months about a claim issue, all you may find is a disconnected number.

Another option is to open the yellow pages, and call your friendly neighborhood agent.  This person probably sells life insurance, auto insurance, home owner's insurance, and a little health insurance on the side.  They may only have one or two plans to offer you, and they probably only have a cursory understanding of HSAs.  When your rates start going up in a year or two, all they can do is shrug their shoulders and say "sorry".

Your BEST option, though, is speak with one of HSA for America’s Personal Benefits Managers.  We will provide true expert analysis on numerous available insurance plans in your area, and informed and unbiased advice on the best options for you.  You will also receive exceptional follow-up service from your Personal Benefits Manager for as long as you remain a customer.

How an HSA for America consultation will save
you time and money

HSA for America has been specializing in HSA plans since they first became available in January 2004, and we have enrolled thousands of families and individuals from over 33 different states.  We have been featured in the LA Times, talked about on the Rush Limbaugh show, and are recommended by CPAs and business advisors all over the country.

Yet we are a very small company, dedicated to superior customer service.  We have personally helped more individuals and families enroll in HSA plans than just about anyone.  We know HSAs, and we know the plans in detail.  We know which ones offer chiropractic coverage, which ones have the best PPO networks, which ones tend to have the most stable rates, and all other pertinent details.  And we know how to save our customers time and money. Here's how:

  1. Experience.  The insurance business is easy to get into.  Thousands of people every year move from used car sales or pest control sales into health insurance sales, hoping it will bring them the big bucks.  And typically they're off to something else a year later.  Very few people have years of experience, and focus their daily attention on HSA-qualified health insurance.  Here's why you should care:

    • You'll understand what your getting, because we know what we're offering.  It is not at all uncommon for an insurance agent to not fully understand what he or she is selling you.  This is what happened to Jan and David Cleary, from Colorado Springs, CO.  They had purchased a plan from a friend who had gotten into the health insurance business, and thought it paid 100% after a $2,000 deductible.  After David suffered a fairly serious injury falling off a ladder, they learned that no coverage was included for any outpatient charges.  His outpatient testing, medications, and physical therapy cost him a total $14,343 out of his own pocket.
    • You'll get unbiased information about the plans that will be best for you.  While some agents feel financial pressure to sell a plan that will get them the quickest or most money, our business model is based on keeping you as a happy and referring customer for a long time.
    • You can reach your Personal Benefits Manager directly when you have questions. Many insurance agents may be there to sell you a policy, but can be very difficult to find when you need help with a claim. But here you’ll have a personal contact - someone on your side who can explain how the claim is being paid and help you appeal any unfavorable decisions. This can save you thousands of dollars when a large claim occurs.

    Our consultants have years of experience in the health insurance business, and know how to save you money and find the best plan for your needs.  Because our business is not based on selling you a policy, but rather on gaining you as a lifetime customer, we're able to offer unbiased information and advice so that you end up with the best plan for you.  According to feedback we get, our customers are saving an average of $1,814 the first year they have coverage with us, and more as the years go by.

    Retired Electrician saving $385/ month over next-best option

    Kenneth Haeussler, a retired electrician from New Bern, North Carolina, contacted us about switching to an HSA plan.  When he called us he had a Blue Cross Blue Shield of North Carolina plan, with a $20 co-pay, but was paying over $900 a month.  Before calling us, the best he had found was an HSA plan with an $8,000 deductible for $735 a month.

    This would have saved him about $2,000 in premiums, and another $2,000 or so in income taxes. Because of the large number of plans we offer, we were able to find him similar coverage for less than $350. We also helped him find a bank that offered a no-fee HSA, which he plans to fully fund. His net cost after including his tax savings to cover him and his wife is less than $250.

  1. Many companies to choose from.  If you've looked at the instant quotes, you've no doubt seen the large number of plans we offer, with quite a wide price range.  By going with a company that offers many different insurance companies, you can be sure of getting the best value now, and having options to choose from if your rates go up and you need to change plans.
  2. Even a look at just 100% plans will often provide a dizzying number of choices, some dramatically more or less expensive than others.  Sometimes the least expensive plan is your best choice - but not always.  Some plans have limitations on outpatient doctors and prescription drugs.  Others may not have your doctors in their network.  We'll help you sort through the confusion, so that you end up with the best plan for you.

    If you buy from an agent who represents only one or two companies, two negative consequences may occur:  First, you may end up with the wrong plan, paying too much money for something that's not the best value available.  Secondly, when you get a rate increase and want to change companies, you'll have to start shopping all over again.

    By having this many options, we can often save our clients $100 per month or more over almost identical but more expensive plans through other insurance companies.

$100 maximum Out-of-pocket for Accidents

We will also help you figure out the best way to structure your plan.  For example, we were able to save Roger Baird of Austin, TX an additional $86 per month, and reduce his out-of-pocket for any accident to only $100.  We did this by raising his deductible from $4,000 to $5,000, and adding a $5,000 accident rider.  In helping you put together a plan, our focus is on how we can provide you the most coverage and best value for your money.

  1. Assistance understanding your coverage options and maximizing your tax benefits. The tax benefits of an HSA contribution can go a long way in offsetting the cost of your health insurance. We'll also help you analyze your options under current health insurance laws, to see if you qualify for other tax credits that may lower the cost of your coverage.
  1. An annual review of your needs.  You can count on health insurance rates going up every year.  If your agent is not doing a complete review of available plans in your area on a regular basis, you will end up paying too much for your health insurance.  But because the agent is still getting paid on the original policy you purchased, most have very little incentive to take the time and effort to do what's right for the customer.
  2. Every year we offer to do our Annual Comprehensive Policy Review, in which we review available plans and make our recommendations about whether you should consider switching to a different plan or insurance company.  We also keep you informed about changes in HSA contribution limits, health insurance premiums, or other issues that might affect your money or your health.  There is no fee for this service.  This will save you thousands of dollars over the coming years.

    By regularly reviewing their plans and switching them to better options when they become available, we have a track record of saving our clients an average of $528 each year after their first year of coverage.

Annual Comprehensive Policy Review Saves CPA $2,710

Candace De Long, a CPA from Fort Collins, CO, has been a client of ours for just over a year, paying $408.10 for a traditional co-payment plan with Anthem Blue Cross Blue Shield.  During our Annual Comprehensive Policy Review, Candace reported that she was not utilizing her coverage, and would be better served by a plan with a lower premium.

After a comprehensive review of all the plans on the market, we identified an HSA-qualified plan, also offered by Blue Cross, for just $240.30 per month, lowering Candace's premium by 41%.  After funding her account (at a 28% tax bracket), Candace's net premium was now just $181.97, a whopping 56% savings over her previous premium.

Though we would have been paid a higher commission by switching her to a different company, it was best in this case for Candace to stay with her current company and simply switch to an HSA plan.  By looking out for our customers’ best interests, we’re able to help them save money and to keep them as customers for life.

By establishing an HSA plan our clients typically save $3,000 or more each year on their health insurance premiums, and up to $1,500 or more each year in income taxes.  This amounts to nearly $400 per month in savings.  As a bonus, if you stay healthy the tax-deferred growth of your account could eventually amount to several hundred thousand dollars.  We're talking real money here, and you owe it to yourself to deal with a true professional who is looking out for your best interest.  You can set up a time to speak with one of our friendly Personal Benefits Managers by calling our office at 800-913-0172, or filling out our Consultation Request form.

Colorado couple now saving $4,500 per year in premiums and taxes

While her husband's job provides him with excellent coverage through a Cigna group plan, Rosemary and Billy Wright of Parker, CO, like many others, found it increasingly difficult each year to keep up with the rising cost of their group health insurance plan.  While Billy's company pays for his coverage, the cost of keeping his family on the plan exceeded $600 per month, and was more than they could continue to pay.  After consulting with HSA for America, Billy remained on his company-provided plan, and switched his wife and three children to an Anthem HSA 100% plan with a $2,500 deductible.  This lowered his premium to just $283.10 per month, saving him over $317 every month.

He is using part of that savings to fully fund his HSA account with $2,500 each year, in effect giving his family zero-deductible 100% coverage, which is still costing him less than his previous plan.  The HSA contribution is also saving him an additional $700 from his income taxes each year.

So his total savings are $3,804 per year in premiums, and $700 per year in taxes, amounting to an additional $4,500 in his pocket each year.  Now if any family members do have medical bills, the Wright's can simply pay those bills with dollars set aside in their HSA, money on which they paid no income taxes.  Since the Wrights say they never spend that much on medical cost during most years, any money left in the account will remain theirs, building for their retirement instead of winding up in the bank account of another insurance company.

Schedule a Telephone Appointment!Appointment Form

The HSA for America Health Insurance Consultation

During this phone consultation your Personal Benefits Manager will take you through a process which will identify the best insurance company and plan for your needs.  We'll help you narrow down your choices, review the pros and cons of the various options available, and provide our professional recommendation.  We'll then assist you in getting enrolled in the plan of your choice.  Specifically, all consultations include the following:

  1. Discover which plans offer the best value based on your age, zip code, and health status
  2. Choose which insurance company to go with, which plan, and which deductible
  3. Learn how much your income taxes will go down, and how much your HSA could be worth when you retire.
  4. Get confirmation that your doctors are in the PPO network of the insurance plan you choose
  5. Determine whether or not to include a supplemental accident plan with your coverage
  6. Choose a bank to use for your HSA

You’ll then submit your application, either online or by faxing or mailing us a paper application.  When you are finished with your meeting, you will have a clear understanding of the plan you are getting, and why it is your best choice.  The process will be easy, hassle-free, and you will never have to shop for health insurance again.  To request a consultation, you may call our office at 800-913-0172 , or fill out our Consultation Request form.

We will then keep you informed as your application goes through the approval process, and we will let you know as soon as you’ve been approved, and answer any questions once you receive your policy.  And of course, you’ll benefit from our Annual Comprehensive Policy Review year after year.

Why Trust Your Health Insurance to Anyone Else?

Picking the right health insurance plan can be a big financial decision.  You want to deal with someone who can help you can help you assess your needs and choose the plan that makes the most sense for you, who can clearly explain what you're getting, and can make the process easy and hassle-free without sales pressure or obligation.  You also need to have a real person who is concerned about your account, and available to answer questions and keep you informed, both before and after you apply for coverage.

We are not interested in "selling" you a policy.  Our objective is to help you make the right decision for your needs, and to earn a customer for life.  These comments are typical of what we receive:

"Your company is very personable, pleasant to deal with and patient with all my questions.  I was new to HSA's and wanted to make sure I had a good understanding of what it was."

"Most agents don't take the time to really get to know you and what you're looking for, they are in a hurry, rushed and often just trying to make a commission.  Your company is very personable, pleasant to deal with and patient with all my questions.  I was new to HSA's and wanted to make sure I had a good understanding of what it was."

"Everyone I talked to was very nice and helpful--answered all my questions. Hoyt actually called me after hours twice to answer questions. I have recommended you to a few others and will continue to do so. Keep up the good work!"

Linda Nelson
Lenexa, TX

Read More..

Get The Information You Need To Make An Informed Decision

Most financial advisors charge $1,000 or more each year in fees and commissions to help their clients avoid taxes and build their retirement accounts.  Yet very few have a complete understanding of one of the most valuable financial planning tools available - a health savings account.  In fact, because they don't get paid to manage these "self-managed" accounts, most advisors don't even deal with health savings accounts.

When you schedule an appointment with HSA for America, you get to speak to true experts on HSAs.  You will have all your questions answered by your friendly Personal Benefits Manager, you will have confidence in the decision you make, and you will have a plan for how you will invest in and use your HSA.  A meeting with us will save you time and money.

The retail value of this consultation is $195.  Most of our customers save at least five times that by getting their coverage with us.  However, because of differing regulations in every state we do business in, we have chosen to offer our consultation service for free.  A consultation includes any follow-up conversations that are necessary in order to get your coverage issued as quickly as possible, and in the most favorable way to you.  You also have direct access to your Personal Benefits Manager for the lifetime of your policy.

Yes, there is a catch.  We are a very small firm, and place a priority on making sure our customers are well-informed and taken care of.  This takes a lot of time, yet also creates a high demand for our services.  We only have a very limited number of personal consultation times available each week, so we are often booked a week (or more) in advance.  Because we have a high number of consultation requests each week, we must limit our meetings to only those people we feel we can help.  If health conditions exist which will prevent us from offering coverage, we will regretfully have to cancel the appointment.

We have two additional requests for anyone who requests an appointment:

  1. Before the appointment, please review your instant quotes so you have a feel for what plans are available
  2. If you have any general questions about HSAs, please review our HSA Information page and our Q and A page, where you will find answers to most questions.  We also highly recommend that you request a copy of our free report, The Complete Consumer’s Guide to HSAs.  This will allow us to make the most of our time together.

There are no other obligations on your part.  However, because we have so few time slots available, please call only if you are serious and ready to make a decision.  If you are just in the “shopping” mode and have some questions, please email us instead and we will be happy to help.

Request A Consultation Now

To request a consultation, fill out our online Consultation Request form or call our office at 800-913-0172.  When you call to schedule an appointment, the receptionist will ask you a series of questions to qualify the appointment.  Once we receive this information, we will review it and send an email confirming the appointment.  Because we have a high number of consultation requests each week, we must limit our meetings to only those people we feel we can help.  If health conditions exist which will prevent us from offering coverage, we will regretfully have to cancel the appointment.

Please note:  We do NOT do business in the following states: MA, ME, NH, NJ, NY, RI, and VT.

You will learn how an HSA would work for you, how much money you would save on premiums and taxes, and the potential future value of your HSA account when you reach retirement.  We will run quotes to look at the plans available in your area, and let you know the pros and cons of the plans that look best.  You’ll then be able to make a confident decision about which plan would work best for you.

We will call you promptly at the scheduled time, at the phone number you provide.

Appointment Preparation

Before the appointment, please review your instant quotes so you have a feel for what plans are available.  If you have any general questions about HSAs, please review our HSA Information page and our Q and A page, where you will find answers to most questions.  We will call you promptly at the scheduled time, at the phone number you provide.

Our No-Risk, 100% Satisfaction, Money-Back Guarantee

Doing business with HSA for America will save you time, money, and frustration.  You will know that you are making a well-informed decision, and you will have access to expert advice any time you need it.  In fact, we are so confident you will be pleased with our service, that I want to make the process totally risk-free to you.  If you purchase a health insurance plan through HSA for America and are not totally thrilled with the service you receive from us or the coverage that you get, you can cancel your plan within 10 days of receiving it and get a 100% refund. 

Call 800-913-0172 now to request your telephone appointment


Wiley Long
HSA for America

P.S. - Nearly half our customers apply online without ever speaking to us.  Rest assured that if you do that, you will still receive the same level of exceptional service!

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HSA for America
749 S. Lemay Ave, Suite A3-116
Fort Collins, CO 80524
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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.