Health Savings Accounts (HSA): How Do I Tell a Good One from a Bad One?

The Health Savings Account (HSA) is becoming well-known as an incredible tool to reduce health insurance premuims and yet provide good security for healthcare emergencies.

But what should consumers watch out for? Are there good HSAs and bad HSAs?

The answer is "not really." All HSAs are made to be quite similar, by federal law. They must conform to the national standards.

However, there are some subtlies that differentiate HSAs as, not good or bad, but maybe good and better.

The first thing to ask about an HSA is about the fees that the HSA custodian charges. Find out all the fees, including setup fee and annual fees. It is reasonable to pay a small setup fee ($25 or more) but I would not expect an annual fee to be charged.

Your next question should be directed towards the investment options. Many HSAs offer only a "money market" type of account. This is really not desirable. The best option for investing your HSA money (which could become quite substantial if you do not use it up year-after-year) is in a low-risk mutual fund. My suggestion is to invest the HSA money in a government bond fund or a corporate bond fund. These funds often make more than 5% gains in a year, but they do not suffer the dramatic ups and downs of stock mutual funds.

You do not want an HSA to be jumping up and down in value, because it might not be there when you really need it. And you never know when that will be.

You might also want to compare your comfort level between a local insurance agent versus an HSA Website. For me personally, I prefer a local agent who I can talk to and see in her office. An HSA Website makes me a little nervous. I probably wouldn't put my money into an Internet bank for the same reason.

Health Savings Accounts (HSA) are here to stay, and they are going to change healthcare as we know it. Be part of the future! 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 width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.domain-b.com/companies/companies_a/aig/20081010_fed_pumps.htmlcid=1255499628ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNGvNtFTn3uRl1JPCjknujlgEaALVgimg src=http://news.google.com/news?imgefp=vpPcS0V-ZvUJimgurl=www.domain-b.com/companies/companies_a/aig/images%255Cedward_liddy_domain-b.jpg width=80 height=80 alt= border=1brfont size=-2domain-B/font/a/font/tdtd 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://money.cnn.com/news/newsfeeds/articles/apwire/55a674736031db7934b74909c8988170.htmcid=1255499628ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNHTcSGlLYbSh7DNsbzUroWz1FY9gATaxpayer bailout tab could run into trillions/abrfont size=-1font color=#6f6f6fCNNMoney.comnbsp;-/font nobr7 hours ago/nobr/fontbrfont size=-1Federal regulators seize Pasadena, Calif-based IndyMac, costing the Federal Deposit bInsurance/b Corp. billions to compensate deposit-holders. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/10/09/ap5532053.htmlcid=1255499628ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNH0E9V_K4QCU_goIaiXKABUTGQG_ASector Snap: bInsurance/b companies fluctuate/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122359713514921305.html%3Fmod%3Dgooglenews_wsjcid=1255499628ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNF8FvccfsLqaAQ6F7ZpqA9oV4ii1QAIG Increases Borrowings While Racing to Sell Assets/a font size=-1 color=#6f6f6fnobrWall Street Journal/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.miamiherald.com/business/story/720181.htmlcid=1255499628ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNGowpPkjKdyu3Z1REucoOQ6S66eBQLocally, AIG still writing binsurance/b/a font size=-1 color=#6f6f6fnobrMiamiHerald.com/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.thestreet.com/story/10441707/1/why-does-aig-need-so-much-cash-from-the-fed-update.html%3Fpuc%3Dgooglefi%26cm_ven%3DGOOGLEFI%26cm_cat%3DFREE%26cm_ite%3DNAcid=1255499628ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNG_HsFB_Dt_2Cps6_AdfUafzrFYvQnobrTheStreet.com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.businessweek.com/ap/financialnews/D93NVAD80.htmcid=1255499628ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNEs-emunoXVo8h7zkaTz_3DkULmdAnobrBusinessWeek/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=1255499628hl=ennobrall 1,230 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.bizjournals.com/jacksonville/stories/2008/10/06/daily48.htmlcid=1255986507ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNE9ZWUQDrCn9Kn-PV5GzjBB6xSjIwFewer Florida workers have health binsurance/b/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1The number of Floridians covered by health binsurance/b provided through their employer continues its slide. A new report by the Economic Policy Institute b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.myrtlebeachonline.com/news/local/story/625088.htmlcid=1255986507ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNG6b2Ul0PMuULp0vME6YTm7hmQ5igEmployers continue to drop binsurance/b/a font size=-1 color=#6f6f6fnobrMyrtle Beach Sun News/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.citizen-times.com/apps/pbcs.dll/article%3FAID%3D2008810100324cid=1255986507ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNHSoVYZhDAhuuc-4gRgcbAN5seLSwStudy: NC children are losing health binsurance/b/a font size=-1 color=#6f6f6fnobrAsheville Citizen-Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blog.aflcio.org/2008/10/10/employer-provided-health-care-coverage-falls-for-seventh-yearcid=1255986507ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNF49Ls_b6DVluWfGXNx8faziKVvJgEmployer-Provided Health Care Coverage Falls for Seventh Year/a font size=-1 color=#6f6f6fnobrAFL-CIO/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.salem-news.com/articles/october092008/ocpp_report_10-9-08.phpcid=1255986507ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNGhAZQIXPuZXWriPj_14B9iIn9NvwnobrSalem-News.Com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/columbus/stories/2008/10/06/daily39.htmlcid=1255986507ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNFePSo0R4MP4zfOYAVmclAV8LTBsAnobrBizjournals.com/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=1255986507hl=ennobrall 22 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://chattahbox.com/health/2008/10/05/rescue-package-helps-expand-mental-health-coverage/cid=1252976413ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNGrclJ56b7ZKh4-JSVGv2VNjTahRwimg src=http://news.google.com/news?imgefp=E1YyBrBI7c0Jimgurl=www.chattahbox.com/images/rescue_package_mental_health.jpg width=80 height=79 alt= border=1brfont size=-2ChattahBox/font/a/font/tdtd 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.time.com/time/nation/article/0,8599,1848887,00.htmlcid=1252976413ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNF5uhNFiknt8TN13fSX-dFGTGlGmgSen. Pete Domenici on Mental Health/abrfont size=-1font color=#6f6f6fTIMEnbsp;-/font nobr21 hours ago/nobr/fontbrfont size=-1It requires group binsurance/b plans to cover mental illnesses the same way as physical ones (no more higher co-pays, deductibles and limits on hospital stays) b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/10/09/AR2008100902873.htmlcid=1252976413ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNGJ_HCngtttII1xrqDkoCxoJua0vALaw Equalizes Coverage For Mental, Physical Care/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/10/opinion/lweb10mental.html%3Fref%3Dopinioncid=1252976413ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNHTi5HcvQBWDPAttLnkWX0d-ZZUegMental Health Coverage/a font size=-1 color=#6f6f6fnobrNew York Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.allheadlinenews.com/articles/7012604186cid=1252976413ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNG0AR-eSQMSOpw9PO3vTTnPs8DInAMental, Physical Care In The US Placed On Same Payment Level In b.../b/a font size=-1 color=#6f6f6fnobrAHN/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.heraldtimesonline.com/stories/2008/10/09/digitalcity.qp-0634706.stocid=1252976413ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNFCMoY0SRM0s69x8CJ_bqAfisok_wnobrThe Herald-Times (subscription)/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.kansascity.com/115/story/829683.htmlcid=1252976413ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNHl3LPYltYjzULtSXfHuOktmi1o9gnobrKansas City Star/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=1252976413hl=ennobrall 634 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.marketwatch.com/news/story/pemco-insurance-seattle-seahawks-team/story.aspx%3Fguid%3D%257B5727BB66-25A5-43C6-A231-284BF565CDFF%257D%26dist%3Dhpprcid=1256220443ei=VRfwSNy7EqCQ6AO2qMGiAwusg=AFQjCNHFX8v6zeEb6C9FcmPVbGylnSG8CAPEMCO bInsurance/b and the Seattle Seahawks Team Up to Search for b.../b/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr6 hours ago/nobr/fontbrfont size=-1SEATTLE, Oct 10, 2008 /PRNewswire via COMTEX/ -- PEMCO bInsurance/b is calling all Seahawks fans to compete for the title of the ultimate quot;Supercharged b.../b/font/div/font/td/tr/table
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