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High Deductible Insurance

High Deductible Plans

Benefit Administration

Aggregate Insurance

Health Savings Accounts

International Travel Medical

International Travel Medical

US Health Options

US Health Options

Traditional Stop Loss Insurance

Traditional Stop Loss Insurance

Health Savings Accounts

Some companies have elected to provide a Health Savings Account (HSA) in front of their aggregate "wrap"/high deductible health plan. An HSA is a savings account into which you can deposit benefit dollars on a tax-preferred basis. The HSA will allow the participant to save for future qualified medical and retiree health expenses from the money they save on insurance by electing the high deductible health plan.

HSAs are owned by the individuals so it brings back a sense of consumerism to the participants when making decisions in regards to health care. Funds from the HSA can be used to pay for qualified medical expenses at any time.

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