Florida Health Savings Account (HSA) Healthier Savings with Accounts are also called HSA Plans

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Summarized View:

Florida Health Savings Account (HSA) offers the best value in health insurance available today. The government is going to help you pay for your health insurance through tax deductions.There is no need to itemize to get the tax savings!The new Medicare bill created the Health Savings Accounts.

The HSA is a similar idea to the IRA and is designed for medical expenses.


The Health Savings Account (HSA) plan is divided into two parts.

Part One - The high-deductible medical plan.

A health insurance plan that provides coverage for your entire family. After you meet your deductible, eligible medical expenses are 100% covered.

Part Two - The Health Savings Account.

An interest-accumulating savings account in which the money rolls over year after year.

The savings account funds can be used for a variety of medical expense. Contributed funds to a Florida Health Savings Account (HSA) is exempt from all governmental taxes just like an IRA (individual retirement account).

The savings will accumulate interest on a tax deferred basis. Now we will get into how the HSA and the IRA differ. The money (your savings) in a Health Savings Accounts (HSA) can be used immediately for doctors, dentists, prescriptions, chiropractor, psychotherapy, etc. Any qualified medical expense. Long term care insurance can be bought with this with this tax free money.

Here's an example

A family of four with the Mom and Dad ages 38 & 43 and two kids.
Deductible: $5,000

  • Monthly Cost of Insurance $304.91
  • They put into a Health Savings Account $424.16
  • Total Monthly Cost $729.07

Now watch this, its really beautiful.
We will use a 28% tax bracket for this illustration.

  • Tax Deduction from Insurance (Insurance Cost x 100% x 28%) $85.37
  • Tax Deduction from Savings Deposit (Savings Deposit x 28%) $118.76.
  • Total Tax Savings $ 204.13
  • Total Cost After Tax Savings $524.9

$424.16 is your money.

The $424.16 is bearing interest in a your account. The money was never given to the insurance company. We will subtract that amount from your cost.The monthly cost of insurance after taxes is $100.78

You have a health savings balance of $5,089.92 at year's end.Call me for a quote and with your questions. We have plans that are paying 4% interest for the savings accounts. Or, you can choose to place the money in mutual funds, stocks, etc.

The second part is the Health Savings Account (HSA).

This is an interest-bearing account and the money rolls over from year to year. You can use the savings account funds for almost any type of medical expense without worrying about networks. Money contributed to a Florida HSA is exempt from both Federal and State taxes, like an IRA, and accumulates interest on a tax deferred basis, like an IRA.

Unlike an IRA, the exempted funds in a Health Savings Accounts can be used immediately for any qualified medical expense.

This includes doctors, dentists, prescriptions, psychotherapy, chiropractor, etc. You can even pay for your long term care insurance with tax-free money.

Let me give you an illustration:

I am using a family of four with the parent ages of 45 and 40 and two kids.

Deductible: $5,150
Monthly Cost of Insurance $300.90.

They put into a Health Savings Account $ 429.16
Total Monthly Cost $730.06.

Now watch this, its really beautiful.

We will use a 28% tax bracket for this illustration.
Tax Deduction for Insurance (Insurance Rate x 100% x 28%) $84.25

Tax Deduction for Savings Deposit (Savings Deposit x 28%) $120.16
Total Tax Savings $204.42
Cost After Tax Savings $ 525.64

But remember, the $429.16 is your money.

It is sitting in an interest bearing account in your name. You never gave it to the insurance company. So subtract that amount out. The Net Monthly Cost of Insurance after Taxes $96.48 . With a Health Savings Deposit of $5,150.00 at the end of the year.

Florida Health Savings Accounts (HSA) are Hot.

There are plans that are pay 4% interest for the savings accounts. Mutual funds, Stocks, etc will be able to accumulate funds from the HSA.

As soon as possible, and we can get down to business.

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