HSA Secure Plans
The tax benefits of an HSA, with the low costs of medical cost sharing!
By Whitney Kline – Updated Oct 8, 2024
Reviewed by Lou Spatafore – Fact checked by Wiley Long
View HSA Secure Plans & Pricing in Your Area
or compare HSA Secure to other healthshare options available at HSA for America
All You Need To Know About HSA Secure
HSA Secure—a healthcare solution that puts you in control of your health and your savings.
HSA Secure empowers you to make the most of your healthcare dollars. It combines a special HSA-qualified minimum essential coverage (MEC) insurance plan, with a low-cost healthshare.
This allows members to enjoy the benefits of health sharing while still retaining their eligibility to contribute pre-tax dollars to a health savings account (HSA).
HSA Secure is more than just a plan; it’s the smart, flexible way to take charge of your health and your finances.
Learn more: Download the PDF Brochure.
Tax-Advantaged Savings:
Contribute pre-tax dollars to an HSA for qualified medical expenses, reducing taxable income.
Tax-deferred Investment Growth:
Deposit funds into your Health Savings Account, or move them into investments such as mutual funds. Funds grow tax-deferred.
Tax-free Withdrawals:
Withdrawals used to pay for medical expenses are tax-free.
Catastrophic Protection:
Provides financial protection against significant medical expenses, ensuring peace of mind for unforeseen health events.
Lower Monthly Costs:
Health sharing plans typically cost 50 – 60% less than health insurance.
Flexibility and Control:
See the doctor of your choice, with no required networks.
Predictable Costs:
HSA tax savings make healthcare budgeting simpler and more predictable.
Get a Quote & Enroll in HSA Secure Today
Join the hundreds of thousands of HSA Secure plan members that have discovered HSA Secure works for their family’s healthcare needs.
- Select your State, and then click the INSTANT QUOTE button.
- You’ll be asked to enter some basic information about your age, your location, and the size of your household. Just follow the prompts at each screen.
- Click Submit to view quotes.
- Once you review your quotes, click the Apply Now button.
- On the following screen, click the ENROLL TODAY! button.
- Follow the instructions on the next page to signup.
Choosing the Right Healthshare Plan for You
View the plan features of HSA Secure Plans
Plan Features | HSA Secure |
---|---|
Deductible/IUA | $1000, $2500, $5000 |
HMO/PPO Network Required? | Any doctor or hospital |
ER | After initial out-of-pocket |
Dr. Visits | After initial out-of-pocket |
Preventative | No limits |
Maternity | No limits |
Rx Coverage | Concierge Pharmacy Benefit Program |
HSA Secure Pros & Cons
Thinking of switching to HSA Secure? Here are pros and cons to be aware of.
HSA Secure Pros
- Tax Advantages: Contributions to an HSA are tax-deductible, and funds can be used tax-free for qualified medical expenses—benefits not typically offered by health sharing plans.
- Personalized Care: You can use your plan with any provider you choose. You are in control of your health care. However, if your chosen physician charges more than the usual and customary amount in your area for any given medical procedure, the plan may limit sharing to that amount.
- Preventive Care: All preventive services recommended under the Affordable Care Act (ACA) are covered 100% with zero deductible, under the MEC.
- Investment Potential: HSA funds can be invested, allowing your savings to grow over time, and providing long-term financial benefits that most health sharing plans do not offer.
- No Cap On Potential Sharing Benefits: The HSA SECURE plan does not cap annual or lifetime cost sharing, and there is no maximum sharing amount for most members.
HSA Secure Cons
- Waiting Periods on Pre-existing Conditions: There are waiting periods before expenses for pre-existing conditions will be shared, so this program will not be right for everyone.
- Restrictions on Non-Medical Use: HSA funds are strictly for medical use, and there is a penalty imposed for non-qualified withdrawals.
- Not Available to Everyone: The HSA Secure is only available to self-employed, independent contractors, or small businesses.
View HSA Secure Plans & Pricing in Your Area
or compare HSA Secure to other healthshare options available at HSA for America
Frequently Asked Questions About HSA Secure
[HSA Secure FAQ]
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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.