HSA Features Vanguard® No-Load
Mutual Funds
Benefits of Health Savings Accounts
Employers
and Health Savings Accounts
With the introduction of Health
Savings Accounts, and the advantages
they offer to account holders, many employers
are beginning
to offer HSA’s as an alternative
to traditional health insurance.
Many of the benefits of choosing
a Health Savings Account over a traditional health
insurance plan will directly affect the bottom
line of an employer’s benefit budget. For instance:
- Health Savings Accounts are dependent on a high deductible insurance policy, which lowers the premiums of the employee’s plan.
- All contributions to the Health Savings Account are pre-tax, lowering the
 gross payroll and reducing the amount of taxes the employer must pay.
Employees and Health Savings Accounts
Some of the benefits employees
enjoy with a Health Savings Account are:
- Tax Deductible Contributions
- May be eligible to claim contributions on Federal Tax Returns (even if you don’t itemize)
- Interest and Other Earnings on Health Savings Account’s are Tax-Free
- Withdrawals for qualified medical expenses
are Tax-Free
Possibly the best benefits of Health Savings Accounts
is the security they provide
to employees, not only to peace of mind, but to the future.
- Full Portability
- No Year-End Loss – Health Savings Accounts
Continue To Grow, Year to Year. It is
use it or keep it!
Added Benefits
As an added benefit to employees or an incentive to elect a Health
Savings Account over a traditional insurance plan, employers
may contribute to employees Health Savings Accounts.
HSA Investing -
Vanguard® No-Load Mutual Funds When selecting a company
to administer their Health Savings
Accounts,
employers want to ensure the best possible
investment options are available to their employees.
HSA features
Vanguard® no-load mutual
funds. With a wide variety of
investment options to choose from,
the selections are designed
to satisfy the aggressive, conservative
and blended investor. Selecting
the Health Savings Account Vanguard® investment that fit both short and long term
financial goals is
easy.
Learn more about the diverse Vanguard® investment
options >>
HSA Debit Account Rate Chart |
7/24/2008
|
| Amount on Deposit |
Interest Rate |
APY* |
| $0.00–$99.99 |
0.00% |
0.00% |
| $100.00–$999.99 |
0.25% |
0.25% |
| $1,000.00–$4,999.99 |
0.75% |
0.75% |
| $5,000.00–$14,999.99 |
1.49% |
1.50% |
| $15,000.00 or more |
1.98% |
2.00% |
| Compounding Monthly—*Annual Percentage Yield—Member FDIC |
| Account available to US residents only. Account holders must have valid Social Security Number to establish account. Please review the HSA Debit Disclosure for additional information. Posted rates may be changed at any time. Interest rate subject to change after account is opened anytime. Fees assessed on accounts could reduce earnings. |
Satisfied Clients
Don't just take our word for it,
we measure our results from people exactly like
you that have made the decision to switch to a Health
Savings Account and invest with Vanguard®.
Below are a few of the things our clients have
said about their experience with Health Savings
Administrators:
- “It seems like no one knows
anything about these HSA’s except for your team
at Health Savings Administrators. You were able
to answer all of my questions. Thanks for being
so helpful!”
- “Thank you for providing me with the opportunity
to invest my pretax dollars into something other
than a savings account with low returns.”
- “You guys are so flexible
on contributions. You can put in one lump contribution
at the beginning of the year or at the end.
That’s so convenient. I’m not on any set monthly
schedule”
- “It’s great that I have access
to admiral funds that I would never be able
to otherwise invest my money in.”
- “I am so impressed that I
actually get to talk to a real person when I
call. When I have called other HSA administrators
I had to go through an automated recording and
then hold for countless minutes before a customer
service rep ever had the chance to help me.”
- “Thank you so much for all
the information requested. It was very organized
and understandable.
|
