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A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. HSAs were established as part of the Medicare Prescription Drug, Improvement, and Modernization Act which was signed into law by President Bush on December 8, 2003. lasley insurance service in california. These accounts are a component of Consumer Driven Health Plans.

HSA contributions may be made under tax-favored circumstances by employers, employees or both. Funds residing in an HSA account can be invested in a manner similar to those in an Individual Retirement Account (IRA). Funds may later be withdrawn tax-free for qualified medical expenses such as deductibles, co-insurance, dental and vision care, and many other items not covered under a particular health insurance plan. Because contributions, earnings and withdrawals are all handled on a tax-sheltered basis, HSAs represent a unique benefit under the Internal Revenue Code. Offering temporary health insurance and international medical and dental insurance nationwide.


Deposits to an HSA may be made by any policyholder of a Qualified High Deductible Health Plan (HDHP), or by an employer on behalf of a policyholder. If an employer makes deposits to an HDHP on behalf of its employees, non-discrimination rules apply — that is, all employees must be treated equally. The only exceptions to the non-discrimination rules are that employers may treat full-time and part-time employees differently, and employers may treat individual and family participants differently. (The treatment of employees who are not enrolled in a HDHP is not considered for non-discrimination purposes.

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