We are

HSA for America

About HSA for America

wiley headshot

Hi I’m Wiley Long, president of HSA for America. For almost 20 years we’ve helped individuals, families, and small businesses with fewer than 30 employees find ways to lower their healthcare costs, using innovative strategies such as:


Health savings accounts and
HSA-qualified health insurance


Direct Primary Care


Health Reimbursement
Arrangements (HRAs)


Health Care Cost Sharing
(health sharing) programs

Since our founding in 2004, we’ve made it our mission to be experts in paying for health care. That includes becoming experts both in insurance solutions, as well as alternative, lower-cost alternatives to less well-known traditional health insurance models.

We become the experts so you don’t have to.

Here’s how we make it easy:

You get to see all your options

We don’t stop with high-priced, unaffordable traditional insurance options. That’s why we’re fans of non-traditional options:

  • Association plans
  • High-deductible health plans that work with health savings accounts
  • Health sharing programs.
  • Health Reimbursement Arrangements (HRAs)
  • Direct primary care plans

You could say we think “outside the box.”

You get a Personal Benefits Manager

When you call HSA for America, you are assigned a Personal Benefits Manager.
Your PBM will help you navigate the system to find what’s best for you.
Whether it’s traditional insurance… or something else.

Your PBM will be your primary contact with us as long as you’re with HSA for America. You’ll never be passed off to a representative who doesn’t know you and your situation.

You’ll be kept

We offer our Comprehensive Policy Review every year to be sure you are still in the best option for you. Things change, and we’ll be with you every step of the way.

All these differences, and more, are why we have enrolled more than 16,000 clients and counting into the healthcare plan that works best for them… Whether it’s a traditional health insurance policy, a more affordable health sharing plan, a direct primary care plan, or something else.

We’d like to work with you, too.

All these differences, and more, are why we have enrolled more than 16,000 clients and counting into the healthcare plan that works best for them… Whether it’s a traditional health insurance policy, a more affordable health sharing plan, a direct primary care plan, or something else.

We’d like to work with you, too. 

We Believe in Healthcare Freedom

We’re not a captive insurance agency. We are an independent health solutions agency that connects individuals, families, and small businesses with health management and risk reduction solutions they can afford.

Our primary objective is to increase your healthcare freedom, by offering better solutions and ways to lower your costs. Here are some of our core beliefs as an organization:

1. Everyone has the moral right to make their own decisions about their own healthcare.

2. People should have the ability to obtain medical treatments of their choice, without restriction and without coercion.

3.  All people have bodily autonomy an inalienable right to choose what is best for their health, and to decide for themselves what to put into, around, or onto their bodies.

4. No medical treatment should ever be given without informed consent – the right to be informed of all risks, benefits, and alternatives of any medical treatment, and the right to make a voluntary decision about whether to take the treatment.

5. All people deserve nutritional freedom – consumers should be free to access whatever foods and whatever nutritional supplements they wish.

6. People should be able to access people should be able to access alternative therapies if they so choose.

7. The doctor is there to provide information, interpretation, and advice, but  the patient maintains ultimate decision-making control.

8. Free flow of information is essential for individuals and society to make the best decisions for themselves, and we oppose all forms of censorship.

When people are given information and choices, they can make the best decisions about their own healthcare.

Sometimes, traditional insurance is the best overall solution. Sometimes the best solution is one of our insurance alternatives that still provides valuable protection against the devastating financial risk of an unexpected medical emergency.

Since we’re not captive to anyone, but completely independent, we are free to do what’s best for our customer, all the time. That’s you.

We love HSAs!

Health Savings Accounts, or HSAs, empower you to take personal control over your health and over your money. When you’re writing the checks, you get to make the decisions. You decide what providers to use. Not the insurance company and their narrow networks.

Furthermore, no other investment vehicle has the tax advantages of an HSA. These innovative plans allow you to save money pre-tax for future medical expenses on a pre-tax basis. If you have out-of-pocket medical expenses, such as deductibles, co-pays, coinsurance, or out-of-network fees, you can use your HSA to pay them, tax free.

And unlike many workplace flexible spending accounts, the money doesn’t go away at the end of the year. If you remain healthy and don’t need the cash, it stays in your account – and continues to grow, tax-deferred, just like an IRA!

When you reach retirement, all that money that has been accumulating tax-deferred becomes available to help with retirement expenses. You just pay income taxes on the amounts you withdraw.

With an HSA, you can cut your yearly taxes, be more proactive with your health, have more flexibility in treatment options, and put money aside for retirement – all at the same time!

Ultimately, nothing increases your healthcare freedom like having cash in your HSA. What’s not to love? 

We’re also big fans of Health Sharing Plans.

Health sharing plans are collectively saving our clients millions of dollars per year.

Health sharing plans are voluntary associations of like-minded people who agree to share each other’s medical bills. They are affordable non-insurance alternatives run by Health Sharing Ministry Organizations (HSMOs). 

These ministries document and verify members’ qualified medical expenses and facilitate the cost sharing among the entire membership. So members don’t get slammed with a single unexpected medical expense they need to handle all by themselves.

Health sharing programs are not insurance. But they are an effective solution that may help you reduce your risk. People are tired of the red tape and greediness of insurance companies, and for good reason. Health care cost sharing programs cut out the bureaucracy of insurance and make health coverage more personal. 

And usually, at just a fraction of the cost.

One of the ways health sharing plans keep costs low is by exempting from their sharing guidelines  items that their members aren’t likely to need. So most will not pay for accidents caused by intoxication, or other expenses such as drug addiction treatment or sex-reassignment surgery. 

Health sharing organizations also tend to aggressively negotiate for the lowest pricing possible.

These are some of the reasons health sharing plans are an increasingly popular, affordable alternative to traditional health insurance solutions. And HSA for America has the world’s foremost experts on health sharing plans. 

We’re Excited about Direct Primary Care Plans!

Direct Primary Care (DPC) is a membership-based healthcare model where the patient pays a monthly fee in exchange for ongoing preventive and routine medical care. DPC arrangements can be lower than the cost of your monthly phone bill. And they provide unrestricted access to your primary physician.

There’s no co-pay. No deductible. You just call your participating primary care doctor’s office, make an appointment, and go.

You don’t need to worry about cost. And your doctor doesn’t have to have a small army of clerks to handle insurance billing. Needless overhead is much reduced. Your doctor can pass much of the savings from that model on to you.

With direct primary care, you and your doctor can declare independence from the tyranny of the traditional health insurance model!

What’s even better, we now have cost sharing plans that are specifically designed to dovetail with direct primary care plans. So you don’t have to pay for redundant or unnecessary coverage!

To learn more, schedule a chat with one of our Personal Benefits Managers today!


How HSA for America Saves You Money?

           HSA For America has saved money for more than 16,000 customers and counting by connecting them with lower-cost alternatives to their existing or traditional health insurance plans – at up to 50% off what they were paying for bloated and inefficient major medical insurance plans..

Here’s how we do it:

How Healthsharing Saved a Typical Family 69% in Monthly Health Care Costs

Stephen L., a 45-year-old male from Austin, Texas, was shopping for a health plan to cover himself, his wife (42), and their three children. Like millions of working families, Stephen and his family didn’t qualify for any subsidies under the Affordable Care Act. They had to pay the full premium.

Their existing plan was a BCBS Texas family plan, which was costing them a budget-busting $1,723 every month in premiums. And even with insurance they had significant exposure because of the 20% co-insurance requirement: A $100,000 medical event would still cost them up to in deductibles and copays $17,400 – the maximum out of pocket under the Affordable Care Act in 2023.

We were able to sign Stephen and his family up with a health sharing plan from netWell.

His maximum out-of-pocket exposure fell from $17,400 to $10,000.
His new plan would share medical bills up to $1 million per year and up to $2 million for a lifetime.
He eliminated his 20% co-insurance exposure on amounts over $10,000.
His monthly cost fell from a $1,7232, premium to a monthly healthshare contribution of just $548.

Stephen’s experience with switching from a high-premium, high-cost traditional health insurance plan to a health sharing alternative isn’t unusual. In fact, it’s very common for individuals and families who fall through the Obamacare cracks and who don’t qualify for an ACA subsidy to save 35-50% each month by switching to a health sharing plan.

How a typical family saved more than $1,000 per month on health insurance

We recently worked with another family of four: A 52-year-old male, his 46-year-old wife, and two children, ages 20 and 17 – all residents of Colorado.

The older daughter was a full-time college student, and the younger son was still in high school.

When they contacted us, they were also paying nearly $2,000 per month for a family health insurance plan. In this case, the family didn’t understand that they qualified for a significant Affordable Care Act subsidy. And so they were paying the full premium.

They contacted HSA For America, and spoke to one of our Personal Benefit Managers, who took them through our detailed needs analysis. As a result of that process, they found out that their income and family size meant that they qualified for a significant subsidy under the Affordable Care Act and the American Rescue Plan.

In other words, after speaking with HSA for America, they discovered they should have been paying much less all along!

This isn’t unusual: The traditional health insurance market is insanely complicated. And the intricacies of the Affordable Care Act larded massive layers of additional complication on top of it. Millions of Americans are confused and bewildered by a ridiculous system.

And wind up making terribly inefficient decisions because of it.

After considering their options, they chose to buy a Humana Silver Plan over the ACA exchange – covering all four of them for less than $300 per month. This decision generated immediate savings of over $1,600 per month.

In this case, because of the ACA subsidy, it made more sense for them to go with a traditional Affordable Care Act-qualified insurance plan. If they had a higher income and didn’t qualify for a subsidy, we would have looked carefully at a healthsharing alternative.

Every family is different. That’s why it’s important to work with an independent health insurance expert who is not captive to any one carrier, or even beholden to the insurance industry itself!

At HSA For America, we understand both traditional insurance and money-saving insurance alternatives. So whatever your situation, we can connect you with the plan that makes the most sense for you and your unique, individual circumstances.

How Group Health Sharing Saved A Small Business More Than $5,000 Per Month

A small business in Florida we worked with had 24 employees on board. 17 of them signed up for a group health sharing plan. 7 employees chose to enroll in an individual health insurance plan.
Working with one of our expert Personal Benefits Managers, the business owner set up a health reimbursement arrangement (HRA), which would help reimburse employees who chose health insurance for most of their insurance premiums, tax-free.

The business owner also set up an accident insurance voluntary benefit plan that effectively reduced every employee’s deductible for accidents to $100. This was important, because most of the employees couldn’t afford thousands of dollars in ER deductibles and coinsurance costs if, for example, a child broke her leg at soccer practice.

All together, offering employees a lower-cost health sharing alternative still saved the business more than $5,000 per month, compared to the cheapest traditional group health insurance plan they had been considering. The savings were more than enough to provide the improved accident insurance protection

As a result, the business is more profitable, has more free cash flow, and employees have more financial security, thanks to these innovative approaches to small business health benefits.

HSA for America believes in equal opportunities for all individuals. Read more about our Non-discrimination Policy.


“Thanks for easing this whole process… I’m frankly not sure I even would have [one], if not for your advice & help with everything!”


Tipton, Indiana

“I am glad to have found something that works with my budget. I was very concerned about the marketplace. In Iowa, there is only 1 provider left, and they were asking for an astronomical increase in premium that I was not able to afford and still pay my bills. So again, thank you for giving me the ‘health sharing’ option!



“[Personal Benefits Manager] Tom and your company’s service has been awesome. My husband and I are thrilled to be off of Obamacare and into the world of Medicare plus supplements. Tom was thorough and simplified our supplement options. We are very happy with the customer care and processing of our selected, private supplement companies.”

Rebecca E.

Parker, CO

“Your website offered me the education I needed to begin my HSA experience. [Personal Benefits Manager] Rob Tavis was available, helpful and full of good information. Our HSA will begin today August 1st and I believe with Rob’s help I’ve made a decent decision. I feel comfortable emailing or calling him if I need further help.”

Maureen Thompson


You personally helped our family with insurance when we lived in Texas over five years ago. When we moved to Colorado, we were forced to switch underwriters (no coverage in CO at the time) and went to a “local” agent, thinking we would have good customer care close by.

When our prices kept increasing for our high deductible family HSA policy (doubled in 4 years), the local agent only offered more policies with our then current provider, Anthem, though we repeatedly asked for a comparison with other providers.

Also, we were to do all the research work in comparing policies. I do not have the time or interest in becoming a policy expert, understanding the pros and cons of each underwriter and their unique coverage restrictions.

One phone call to your folks and we received a number of options to choose from. We were able to make a decision that day and change our coverage. We saved enough to also fund both Accident and Dental coverage (our total premium dollar is still lower than before, while simply raising our annual deductible from 10,000 to 11,900).

What a blessing to work with someone who understood our needs and the underwriters’ criteria. I plan to tell my self-employed peers in other parts of the country about how easy personal line insurance shopping was with the help of ColoHealth

Diane was great and offered quick, accurate counsel. That we could apply (and sign) online was exceptional.”

Steve Simpson

My wife and I are very pleased with the service we’ve received. [Personal Benefits Manager] Tom did a great job informing us and providing guidance and support. We are grateful and satisfied.

Gary E.

Parker, CO

“I have had absolutely great service from [Personal Benefits Manager] Tom Lockwood (Medicare). He is very knowledgeable, very responsive, have answers for all my questions, and have given us great advice. I’m signed up for medigap starting in January 2019 & my wife will be signing up for 2020. We will definitely be using Tom again next year.”

Dave G.

Parker, CO

Dear [Personal Benefits Manager] Leslie,

Leslie, Paco and I feel so blessed to know about you and the services you provided.
As soon as I know what my Medicare Claim # is, I will contact you so you can get the ball rolling with my Supplemental Plan F with Cigna. We would be clueless without your assistance!

You are not only very knowledgeable, you are one of the most patient people we have ever met (over the phone)! :):)

We will want to share your name with others for sure!

Kay J.

Colorado Springs, CO


My husband and I have worked with [Personal Benefits Manager] Tom Lockwood for a few years. We are very pleased with the information and insurance opportunities he has provided. We will keep coming back. I recommend him whenever I can.

Patrice G.

Lockwood, CO


We are happy with One Share…and especially [Personal Benefits Manager] Misty. Misty has been responsive and kind. She did a great job from the beginning to follow up.


Nampa, ID

Want to know more about how you can benefit from an HSA or a Health Sharing Plan?

Click below to get an instant quote.


Health insurance plans that are HSA qualified can be viewed in our health insurance instant quote results. HSA-qualified plans will have a blue HSA symbol.
Choose your state below to get a free individual health insurance quote for both HSA-qualified and non-HSA health insurance plans. For a quote on a group, please fill out this Census Form, or schedule a consultation with one of our small business experts.

Learn more about available health insurance plans


Health sharing plans are not insurance but a more affordable way to make sure your family is protected from unexpected medical expenses. Health sharing means that the group is helping to cover each other's medical bills.
Choose your state below to get a free individual quote on our low-cost health sharing plans. For a quote on a small group, please fill out this Census Form, or schedule a consultation with one of our small business experts.

Learn more about healthshare programs

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Telephone: 800-913-0172
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