HSA Health Insurance Plans

Let us help you find affordable HSA health insurance in California. We specialize in helping you choose affordable plans from carriers like Anthem Blue Cross, Blue Shield of California, HealthNet, Cigna, Kaiser Permanente and Aetna.

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Finding Affordable HSA Health Insurance

What Is an HSA?

A Health Savings Account is a special bank account that helps you pay for healthcare. By enrolling in an HSA-compatible health plan such as the Lumenos HSA Plan you have the option of opening a Health Savings Account. By both enrolling in the health plan and opening the account, you’re eligible for a special tax deduction. When you make contributions to your HSA, you’re taxable income is decreased by the amount you deposit. That means you pay less in taxes — it’s like the IRS is chipping in to pay for your healthcare.

For example, Anthem Blue Cross Lumenos HSA Plan meets all Federal guidelines, letting you take advantage of some of the best tax advantages in the Federal code. Some highlights of Health Savings Account include:

• You can fund your Health Savings Account up to $3,050 as an individual, or $6,150 for two or more people for the tax year 2011. Your taxable income is reduced by the amount that you deposit in that year — so you owe less in taxes.

• The money in your HSA will build interest. What happens if you don’t use the savings in your account? It grows. Your savings rolls over each year.

• You can use your HSA funds for almost any healthcare cost, from cough syrup to doctor’s bills to dentist and even for your deductible.

• As long as it’s spent on a health expense, the money you withdraw from it won’t be taxed.

One of the nicest things about a Health Savings Account is that you can use your HSA funds to pay for almost anything related to healthcare. This includes your health plan deductible, prescription drugs and things that no health plan will cover, such as cold medicine or bandages.

To qualify for an HSA, you have to enroll in a high deductible health plan, or HDHP. Your health plan deductible has to be at least $1,100 to be considered an HDHP.

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