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Frequently Asked Questions Regarding HSAs

I don't have health insurance, can I get an HSA?
You cannot establish and contribute to an HSA unless you have coverage under a HSA eligible plan.

HSA Checklist for Small Business Owners

An HSA plan is an inexpensive health insurance plan that doesn’t pay for the first dollars of health care expenses (i.e. your 'deductible') but will generally cover you after that. Of course, your HSA is available to help you pay for the expenses your plan does not cover.

Health Savings Accounts and Your Small Business

Health Savings Accounts are an important option for health care coverage, and are allowing thousands of employers to provide their employees coverage they wouldn't be able to otherwise afford. If you are a small business owner and you want to provide your employees with affordable health care the following are examples of how your small business and employees will benefit from choosing an HSA:

Advantages of HSAs

Security – Your high deductible insurance and HSA
protect you against high or unexpected medical bills.
Affordability – You should be able to lower your
health insurance premiums by switching to health
insurance coverage with a higher deductible.
Flexibility – You can use the funds in your account to
pay for current medical expenses, including expenses
that your insurance may not cover, or save the money in
your account for future needs, such as: