Not everyone who qualifies for an HSA is pre-disposed to
enroll in one. After all, an HSA
requires a new way of thinking about an old problem—funding one’s health care
program. There are no co-pays for
routine expenses such as those available in most group plans, and the “deductible”
mechanism is certainly different than what is found on “traditional”
plans.
We believe these traits to be common amongst people who
are happy with their HSA. Check the
list to see whether you meet the profile.
► A desire not to pay high health insurance
premiums
► A desire to reduce federal income taxes
► The willingness to assume the risk inherent
with a higher
“deductible” amount (offset by lower premiums
& taxes)
click here for a full discussion
of the so-called high deductible
► The discipline to fund the savings account
instead of over-paying for traditional health insurance
► The ability to sleep at night without any
“co-pays” for little bills (if this is not you, then the HSA is not for you!)
► An interest in saving additional tax-sheltered
money toward retirement
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insurance