ThinkHSA specializes in providing consumer-driven health care plans to individuals, families, groups and businesses.  The goal is to provide employers a means of controlling health care costs while giving employees and families' ownership, flexibility and more control as they plan for their future health care needs.

What is an HSA?
What is an HDHP?
How Does An HSA Work?
Who Is Eligible?
HSA Benefits
HSA Tax Advantages
About HDHP's
HSA Contributions & Withdrawals
ThinkHSA Links
Contact Us

ThinkHSA Quote
Currently licensed in IN, MI & OH

HSA Overview with Case Studies

HSA Calculator - 508k - MS Excel

American Medical Security Presentation

So, What Is An HSA or
Health Savings Account?

An HSA* is a federal tax-deductible savings account set up at a financial institution to save money exclusively for payment of qualified medical expenses. This account must be used in conjunction with a high-deductible health plan that meets government requirements.

* The HSA is your savings, it is not insurance. The HDHP is your major medical health insurance. The two work together to form a complete long-term consumer-directed healthcare plan.

HSA/HDHP Helps to Strengthen Your Entire Financial Plan

The diagram above shows how an HSA plan strengthens your financial future. The HSA enhances your emergency cash reserve by providing untaxed savings to pay your medical insurance deductible. Unused HSA dollars can also be invested to build wealth, growing tax-deferred much like an IRA or a 401k. The HSA dollars are always immediately available to pay for qualified medical expenses without taxation or penalty.

The HSA is a tax-free long-term medical expense savings plan. It is not insurance. In order to make an HSA complete, it must be paired with a qualified major medical high deductible health insurance plan called HDHP. The HDHP is insurance and fulfills the health insurance need in the "Protection" segment of your financial pyramid. Together, the HSA and HDHP form a complete healthcare plan that provides ownership & control of your long-term health care dollars. This is a consumer-directed healthcare plan.

ThinkHSA is dedicated to helping employers, employees, individuals and families bridle the rising costs of health care.

  • For your complete HSA solution, ThinkHSA
  • For an HSA health plan design that is right for your budget, ThinkHSA
  • For someone you can trust, ThinkHSA
  • For peace of mind, ThinkHSA
  • For solutions to rising health care costs, ThinkHSA
  • To simplify the process, ThinkHSA

Contact us today and we will help you each step of the way:

  1. Obtain a High Deductible Health Plan (HDHP) through ThinkHSA*
  2. Set up an HSA with a financial institution through ThinkHSA
  3. Contribute to the HSA
  4. Use HSA dollars to pay for qualified medical expenses
  5. Realize tax savings when computing taxable income on tax returns

* Requires an application that goes through an underwriting process, which could be declined. Do not cancel any existing health coverage until you are certain of acceptance and approval.

HOME | WHAT IS AN HSA | WHAT IS AN HDHP | HOW DOES AN HSA WORK | WHO IS ELIGIBLE | HSA BENEFITS | HSA TAX ADVANTAGES | ABOUT HDHP's | HSA CONTRIBUTIONS & WITHDRAWALS | THINKHSA LINKS | CONTACT US

(C)2005 JD Associates. All rights reserved. Call (877) 496-4659 ext.12 or mac@thinkhsa.com

ThinkHSA is not engaged in rendering legal or tax advice. If these services are required, you should seek the appropriate professionals. JD Associates is currently licensed in Indiana, Michigan and Ohio.

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