Joseph T. Horvath, CSA
Certified Senior Advisor (CSA) ®
Welcome:
Health
Savings Virginia is
dedicated to providing you with the assistance you need in setting
up a Health Savings Account (HSA). We understand how difficult
it is to see your hard-earned money drain away to health care insurance
that isn't always used and doesn't supply the quality service
and products you deserve.
Health Savings Accounts (HSA) work
for you by breaking up the money you would normally spend on health
care insurance and restructuring it. A portion of the money currently
spent on existing insurance will be put towards a qualified higher-deductible
plan with the remainder going into a Health
Savings Account (HSA).
HSA Advantages include:
Tax
Benefits!
Tax-Deductible
Self-employed
contributions to the HSA are 100% deductible -- just like
an IRA. Contributions by employers are deductible -- Just
like health plan premiums!
Tax-Free
Withdrawals
for medical care are never taxed
Tax-deferred
Interest earnings
accumulate tax-deferred and if used for medical care are
tax-free
Health Coverage Benefits!
Major Medical Benefits
Simple. No
coinsurance, 100% coverage after the deductible is met
Predictable
One deductible
per family.
Comprehensive
Quality major
medical, including preventive care and prescription drugs.
Savings Account Benefits!
First Dollar
Savings can
be used to help pay the deductible and for non-covered
expenses such as dental and vision
Security
Savings reduce
or eliminate annual out-of-pocket exposure.
