Health Savings Accounts

The NFIB Health Benefits Program provides our members with access to competitive Health Savings Accounts through JLBG Health - Assurant Affinity.

Congress has passed a new tax favored insurance plan that replaces Medical Savings Accounts.  The new plan is now referred to as a Health Savings Accounts (HSAs).  All Americans under the age of 65, regardless of their employment status, now qualify for an HSA.

• Download HSA Brochure

• Review HSA Questions & Answers

• Get Your Free HSA Proposal Now!!

An HSA is a medical savings account without the restrictions or limitations the old legislation created. The new legislation allows people who buy medical policies with deductibles of at least $1,000 for a single person or $2,000 for a family to establish a tax-free "health savings account" and potentially reduce their health insurance premiums by as much as 50%. 

They, or their employers, can fund these accounts with an amount equal to the deductible and the money can be used to pay health care expenses. If the money is not needed, the money can be invested.  All money going in the HSA are pre-tax dollars and withdrawals for health care, including dental services, are tax-free.  All existing MSAs will be converted to HSAs during the 2004-year.

Health Savings Accounts (HSAs) through NFIB Health Benefits are an excellent way to pay for health care and save money.

Health Savings Accounts also provide considerable tax savings while reducing health insurance premiums 35 - 50% and sometimes even more. 

Our clients are free to choose their own physicians or our extensive national PPO networks, which gives them more flexibility and even additional savings.  In addition, our HSA plans come with a Medco Health Prescription Card which can be used at over 59,000 pharmacies nationwide with extensive prescription discounts.  While your health savings account continues to grow over time, you can use the account to supplement income at retirement or in case of a disability.

Health Savings Account Proposals 

Thank you for requesting a personal proposal for Health Savings Accounts.  Please complete the following automated form.  Once the form is completed, you will have the option of downloading your state specific application for completion.