Insurance
Corporate Health Insurance: High-Deductible & HSA Strategies
Optimize health coverage by pairing high-deductible health plans (HDHPs) with triple-tax-advantaged Health Savings Accounts (HSAs).
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The Triple-Tax Advantage of Health Savings Accounts
HSA contributions are 100% tax-deductible, capital growth compounds tax-free, and distributions for qualified medical expenses incur zero state or federal income taxes.
1
Pre-Tax Contributions
Reduce current year taxable income dollar-for-dollar up to IRS annual caps.
Reduce current year taxable income dollar-for-dollar up to IRS annual caps.
2
Tax-Free Growth & Compound
Unused balances roll over indefinitely and can be invested in broad-market index funds.
Unused balances roll over indefinitely and can be invested in broad-market index funds.
3
Retirement Healthcare Safety Net
After age 65, funds can be withdrawn for any purpose similar to a traditional IRA.
After age 65, funds can be withdrawn for any purpose similar to a traditional IRA.
Balancing Premiums Against Out-of-Pocket Maximums
- In-network vs out-of-network provider network evaluation (PPO vs HMO)
- Prescription drug formulary tiers and specialty medication coverage
- Preventive care services mandated under ACA at zero out-of-pocket cost
- Employer HSA matching contributions as tax-free compensation
HSA Investment Vehicles
Maximizing HSA balances by investing surplus funds into broad-market index funds creates a supplemental medical retirement safety net.