You're a Survivor

A survivor or their dependent may be dealing with a lingering health concern. We understand the complexity and stress of navigating the treatment and insurance processes.

  Introduction to HSA



Most traditional health plans don't cap your out-of-pocket costs for prescription drugs. You may experience never-ending copays, even after reaching the “out-of-pocket maximum.” Additionally, some traditional plans have a separate prescription deductible. With an HSA-qualified plan, your prescriptions are capped along with your other covered medical expenses. Once you reach the out-of-pocket maximum, your health plan covers the rest.

No copayments

No copayments

While managing a chronic condition, you likely face frequent office visits, procedures and hospital stays. Each of these may require varying copays with a traditional plan. Typically, these out-of-pocket costs continue even after the “out-of-pocket maximum” is reached. However, with an HSA-qualified plan, again, there are no copays and your out-of-pocket costs end once you've satisfied the maximum.

Lower monthly premiums

Lower monthly premiums

HSA-qualified plans cost less than traditional health plans. The savings you enjoy can be used to fund your HSA, tax-free*.

*Note regarding tax-free statements:
HSAs are never taxed at a federal income tax level when used appropriately for qualified medical expenses. Also, most states recognize HSA funds as tax-free with very few exceptions. Please consult a tax advisor regarding your state's specific rules.

Shoppers frequently utilize medical care and reach their health plan deductible.
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Savers seek opportunities to reduce their tax liability and maximize earning potential.
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Minimalists are most likely able to enjoy a healthy life, with little medical expenses.
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How an HSA works

A simple way to save


Winning with an HSA brochure

Empowering you to build health savings


Plan comparison scenarios

See how you can save based on the following actual plan designs


Qualified medical expenses

See a list of qualified and non-qualified medical expenses.


Take advantage of tax savings

If you aren't contributing at least the amount you spend on health care, you essentially leave money on the table for the government. At the very least, deposit funds into your HSA before you pay a bill and gain the tax benefits of the HSA deposits.

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