There's not a whole lot positive about the new health care bill but one really great health insurance option- Health Savings Accounts - managed to survive the legislative process. And thank goodness: HSA's are an excellent way to save on your taxes when you spend money on your healthcare. By allowing you to deposit tax-deductible funds into an account that you can use to cover medical costs, HSAs enable you to take control of your own health care decisions and save money at the same time.
But HSAs are not a "stand-alone" solution: first
you must have a high-deductible health insurance plan that qualifies to be partnered with an HSA. These plans are
available
through various insurance companies. The plans are all similar in the fact that they have
deductibles
between $1,200 and $5,950 for singles, and between $2,400
and $11,900 for families.
Want an endorsement? I have an HSA myself -- that's how much I believe in them.
Read this excellent article in the NY Times for a good summary of how HSA's work.
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