Health Savings Accounts (HSA): Do They Vary From State to State?

The Health Savings Account (HSA) is an amazing tool that a lot of people have been talking about. It is meant to help you save money on insurance and make your life simpler, maybe even help you be healthier.

Is this tool available in all states? And are HSAs in each state the same?

The Health Savings Account (HSA) was passed in the U.S. Congress in December 2003. It was signed by President George W. Bush. That means it is a federal law. The HSA is available in every state in the Union.

However, the availability of the HSA may vary. Since this product is relatively new, not all insurance agents and financial advisors have caught on to it. Many do not know it exists yet, and not all of them offer it to their clients.

But as acceptance of HSAs grows, more and more insurance agents, advisors and even banks are beginning to offer them.

The simplest place to find an HSA is with an insurance agent. I say it is the simplest because it is easiest to purchase your HSA and your high-deductible health insurance policy in one place. If you do not purchase them in one place, you have to provide written proof to the HSA agent that you do, indeed, have a high-deductible policy. If you can't prove that you are insured, and that the deductible is over $1,000 for an individual and $2,000 for a family, they cannot give you an HSA.

Insurance agents are also the most likely to have an in-depth knowledge of HSAs. I haven't tried to get an HSA at a bank, but I think it's likely that the expertise of personal bankers will not be as great as that of the average insurance agent. That's just my opinion.

Health Savings Accounts are growing in popularity every day. They provide an excellent way to save thousands of dollars on insurance, and they are the true solution for the self-employed and the small business owner. And HSAs are available today!

Daryl Kulak is the author of the book "Health Insurance Off the Grid - A Wonderful Way to Use Alternative Medicine and Save Money on Insurance Using the New Health Savings Account (HSA)." The book provides a nine-step plan to get your self-employed or small business health insurance costs under control using a unique approach you won't find anywhere else. The book is available for sale as an e-Book or paperback at the Website http://www.healthoffthegrid.com

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/news/local/massachusetts/articles/2008/11/21/mass_ag_says_insurance_company_favors_homeownerscid=1272969115ei=zqAoSa_xFJSA7QOo9oVDusg=AFQjCNGxVXHRgJEw6fmpA_ynfUOEH1xr2QMass. AG says binsurance/b company favors homeowners/abrfont size=-1font color=#6f6f6fBoston Globe,nbsp;United Statesnbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1BOSTON—State Attorney General Martha Coakley has asked for a review of Premier bInsurance/b Company#39;s new auto binsurance/b rate, claiming the company is b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bostonherald.com/business/general/view.bg%3Farticleid%3D1133988%26srvc%3Dbusiness%26position%3D4cid=1272969115ei=zqAoSa_xFJSA7QOo9oVDusg=AFQjCNE6tPAKqcgE5sJtOMKjwLSRAD8HwAAG Coakley alleges discrimination by Premier bInsurance/b/a font size=-1 color=#6f6f6fnobrBoston Herald/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.turnto10.com/jar/news/local/article/ag_requests_to_review_new_insurance_rates/7548/cid=1272969115ei=zqAoSa_xFJSA7QOo9oVDusg=AFQjCNGeo2eVpCVqLe_l8ia0PQCCbleGyQAG requests to review new binsurance/b rates/a font size=-1 color=#6f6f6fnobrTurn to 10.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.insurancejournal.com/news/east/2008/11/21/95735.htmcid=1272969115ei=zqAoSa_xFJSA7QOo9oVDusg=AFQjCNHfPQxeArLuvWyW6iB11OpsVJr7BQMassachusetts AG Wants Hearing on bInsurance/b Company#39;s Auto Rates/a font size=-1 color=#6f6f6fnobrInsurance Journal/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://news.bostonherald.com/business/general/view/2008_11_22_Attorney_General:_Insurer_discriminates/srvc%3Dhome%26position%3D4cid=1272969115ei=zqAoSa_xFJSA7QOo9oVDusg=AFQjCNGJVeEbT2NFs0Pg1By-b7tKIwTHPgnobrBoston Herald/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272969115hl=ennobrall 10 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.foxnews.com/story/0,2933,456224,00.htmlcid=1273038827ei=zqAoSa_xFJSA7QOo9oVDusg=AFQjCNFoMkGziWREfnYr4TmRFVe7BgyQIgbInsurance/b Companies May Soon Cover Maggot Therapy/abrfont size=-1font color=#6f6f6fFOXNewsnbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1b.../b from the modern American medical establishment, which could make it easier for patients and doctors to get binsurance/b reimbursement for this treatment. b.../b/font/div/font/td/tr/table
insurance - Google News


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