Family Health Insurance coverage benefit information at hsainsights.com

"I thought finding the right HSA would be difficult. In fact it was so easy I wonder why I did not do it sooner!"

"If you want affordable health coverage that provides peace of mind, then an HSA is for you.”

Janine B., Evanston, IL

HSAs BENEFIT FAMILIES

For families who want affordable health coverage that also creates a financial asset for the future, HSAs are an excellent choice.

The following chart demonstrates how an HSA could benefit your family:

HSA Comparison Table - Family Coverage 2010

	Typical Plan	HSA Plan
	Family deductible: $2,500 Coinsurance: 80%/20% (doctor office co-pay)	Family deductible maximum: $5,200 Coinsurance: 100%
Premium paid	$5,820	$4,908
Share of medical care expenses ($1,500 claim)	+ $6,050 $2,500 for deductible, $3,000 for coinsurance, $550 for dental/eyewear	+ $5,750 $5,200 for deductible, $550 for dental/eyewear All paid from HSA account
Expenses subtotal	= $11,870	= $10,658
Tax savings on HSA deposits	$0	- $1,666 ($5,950 HSA deposit x 28%)
Net expenses	$11,870	$8,992
Total net savings with HSA Plan		= $2,878

Disclaimer: This chart is for comparison purposes only.

*Any reference to taxation should not be considered tax advice. Please consult a qualified tax professional for tax advice.*