How to Choose the Best Option for 2018 – Health Insurance or Healthshare Program?

October 31st, 2017

Cost-sharing-reduction payments are made to insurance companies to offset some of their costs for providing discount health insurance plans to Americans who earn up to 200% of the federal poverty level (FPL). This insurance marketplace was set up by the Affordable Care Act (ACA) to provide about $7 billion to insurers to encourage them to continue offering the plans to lower-income people.

Now that cost-sharing subsidy payments have stopped, insurers still have to offer lower deductible plans Read More

Concierge Medicine and your HSA

September 26th, 2017

Concierge medicine is becoming more popular nowadays with more people than ever choosing this type of provider over more traditional physicians. If you have a health savings account (HSA) plan, having Concierge medicine knowledge can help you cut down your healthcare costs.

What is Concierge Medicine?

Concierge medicine refers to the relationship between a primary care physician and a patient in which the patient has to pay an annual retainer fee. While the consumer-driven healthcare accounts do not cover Read More

How Freedom of Choice Affects The Cost of Healthcare

August 29th, 2017

Many in government seem to think they know what’s best for us by controlling health insurance – who must purchase it, who the plans must cover, what benefits the plans must cover, and how the insurance companies can administer them. Though there are some good intentions behind some of this, the results have been catastrophic for people who aren’t receiving government subsidies. But when government gets out of the way, the market can come up with amazingly affordable solutions.

Skyrocketing Premiums and Dwindling Options

Since Read More

Six Favorable Changes To Health Savings Accounts Under GOP Health Bill

July 20th, 2017

Congress has been unable to pass a new healthcare bill as of yet. We believe that HSAs should play a big part in giving consumers more control over how their healthcare dollars are spent, and judging by the GOP proposals so far, there are some potential changes that will have a good impact on Health Savings Accounts and consumer-directed health care.

Here are six specific impacts that the House proposal has on Health Savings Read More

June is National Safety Month

June 28th, 2017

Did you know that preventable injuries are the fourth leading cause of death in the United States? During this National Safety Month, the  National Safety Council aims to educate and influence behaviors which can result in preventable injuries and deaths at work, homes, on the road, and communities.

Here at HSA for America, I want to encourage you to become Read More

What’s in the New Healthcare Bill?

May 11th, 2017

Last week Congress passed a bill to repeal Obamacare, called the American Health Care Act, and now it is the Senate’s turn to craft a bill, so that it can be reconciled with Congress’ bill.

One of the core provisions of Obamacare is the “community rating” price controls, which charge all people in a zip code area that are the same age, the same amount, regardless of risk. This is what has caused premiums to skyrocket. There is no fundamental change to this rule, Read More

Life Insurance Made Easy

April 28th, 2017

We insure our cars and most individuals will even pay a monthly premium on cellular devices, but we often fail to include life insurance as one of our priorities.  When we’re young, we just don’t think that it’s necessary or in some instances, believe we can’t afford it.

The reality is – we can’t predict our life spans. Have you thought about what would happen to your family financially if something happens to you? Getting a life insurance plan in place gives you that peace Read More

How to Retire Better: What You Can Do Right Now

March 29th, 2017

With medical costs skyrocketing, it is essential to save money for the rainy days as early as now. When things are going well for us, we shouldn’t just give ourselves high fives and sit back and relax.  We should be planning for the times when things will go wrong and we are feeling stressed. Not planning for retirement can be devastating to people later on in life.

Here’s what you can do now to help you retire better.

Health Savings Accounts

One great step towards retirement is setting Read More

New Thinking on the Road to Price Transparency

February 27th, 2017
price transparency

I’ve been an advocate for price transparency in healthcare for as long as I can remember. Even then and until now, health insurance companies and healthcare policy experts have been proclaiming that it’s coming to a healthcare market near you.

Implementing price transparency would seem to be the way to foster more of a free-market approach to healthcare, where consumers have the ability to make choices as to which doctor or facility will provide their healthcare, Read More

The Numbers Are Stunning: Healthshare Plans Are Booming

January 26th, 2017

According to a recent article published by U.S. News and World Report, faith-based healthshare plans are exploding in popularity. With around 200,000 people enrolled at the time the Affordable Care Act (the ACA, or Obamacare) was enacted in 2014, the number of people choosing this strategy as a way to cover healthcare costs was pretty small. But if you Read More

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