We are
HSA for America
Hi I’m Wiley Long, President of HSA for America. For over 20 years we’ve helped individuals, families, and small businesses – most often with 30 employees or less – find dramatically better healthcare solutions that lower their costs and increase their healthcare freedom.
The problem – the health insurance odds are stacked against the individuals and small businesses that purchase their own health plans:
- Insurance premiums are rising faster than the economy is expanding, and the high cost is devastating individuals, families, and small businesses.
- High deductibles have far outstripped American’s ability to afford them. Among Americans not receiving Cost Sharing Reductions under the Affordable Care Act, the average deductible in 2021 was $6,094 per person. And they go up every year.
- Managed care organizations are herding Americans into narrow provider networks with few doctors to choose from, impinging on our right to choose our own doctors.
- Primary care doctors are now mostly employed by large corporations, and are overwhelmed with huge caseloads. The average primary care doctor in managed care organizations spends just 10 minutes of face-time with his or her patient per visit.
- Small businesses face very high premiums for a group health insurance plan, and then often receive large rate increases when an employee files a claim.
Big Pharma, Big Insurance, and Big Hospitals all share the exact same strategy: It’s making you believe that you don’t have any options when it comes to healthcare. They’ve spent billions of dollars in support of this lie. And they’ll spend even more to keep the lie alive.
But it’s a lie. You do have options!
And we’re here to show them to you.
Meet the
HSA for America Team
Mike Montes
800-913-2195
Hablo español!
Our Mission
Our mission is to help you take back your power from the health insurance companies. We know ways to hack the system, and we’ll connect you with resources and solutions to help you do just that.
… more freedom,
… more transparency,
… while empowering you to you choose your own doctor
… and giving you more control over your healthcare and healthcare spending.
What We Do
- We make access to quality healthcare affordable again for individuals and families that don’t qualify for large Obamacare subsidies.
- We routinely save small businesses thousands of dollars a month in health plan costs compared to the costs of offering a traditional group health insurance plan.
- We help empower you to escape narrow HMO networks, and show you plans that allow you to choose your own doctor.
- We help reduce your taxes.
Whom We Serve
We serve individuals, families, small business owners, church and missionary groups, and associations who need to provide healthcare for themselves and their employees or members.
We serve the millions of people who’ve been left out of large Affordable Care Act subsidies.
For groups, we do our best work with small businesses with 30 employees or fewer.
Here’s what you’ll receive from us:
1. Truly independent advice
Some agents are captive to a single company. Insurance brokers can sell products from many different insurance carriers.
We’re not even captive to the insurance industry.
That way, we can talk to you about all your options – not just the traditional insurance products.
2. Outside-the-box strategy
We don’t stop with high-priced, traditional insurance options that have become so unaffordable for so many.
That’s why we’re fans of these money-saving, non-traditional solutions.
- High-deductible health plans that work with health savings accounts (HSAs)
- Health sharing programs
- Health Reimbursement Arrangements (HRAs)
- Direct primary care plans (DPC)
- Hybrid plans that include some combination of the above
3. Your own Personal Benefits Manager
We don’t use call-center agents. When you call HSA for America, you are assigned your own Personal Benefits Manager (PBM).
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.
4. We keep you informed
Since your PBM knows your situation, and knows you personally, they’re better able to keep you up to date when something changes, or a better plan becomes available.
Furthermore, every year we offer all HSA for America clients a Comprehensive Policy Review. This way you can be sure you’re still in the very best best plan available that best suits your individual circumstances.
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 20,000 clients and counting into the healthcare plan that works best for them
5. Lower costs
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.
6. The HSA for America Guarantee
We’re not happy until you’re happy. You deserve to do business with a company that stands behind its promises. The HSA for America Guarantee!
We’re Here in Support of Healthcare Freedom
Our operations are founded on the belief that you – and you alone – have the authority to make your own decisions about your own healthcare. This is the essence of healthcare freedom.
Your healthcare freedom also depends on the following rights and principles:
- Freedom of choice. You should have the ability to obtain medical treatments of your choice, without restriction and without coercion.
- Bodily autonomy. You have an inalienable right to choose what is best for your health, and to decide for yourself what to put into, around, or onto your body.
- Informed consent. You have 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.
- Nutritional freedom. You should be free to access whatever foods and whatever nutritional supplements you wish.
- Alternative therapies. You should be able to access alternative therapies if you choose.
- Freedom to know. Free flow of information is essential for individuals and society to make the best decisions for themselves. We oppose all forms of censorship.
- Freedom from coercion. We believe that government shouldn’t be able to force you to purchase anything, or take any medication, take any injection, or consume any product.
Become a Personal Benefits Manager
Are you an experienced life and health producer looking to differentiate yourself in the market?
Or are you new to the industry, but you’re an organized, disciplined self-starter, and passionate about truly helping people stay healthy, get better healthcare, and save money?
We occasionally have an opening for a good new Personal Benefits Manager to help us spread our message, and leave people measurably better off every day.
Why become a PBM?
- Unlimited and recurring income
- Generous residuals
- Build your own business, and be your own boss
- Nurture lasting, meaningful relationships with your clients
- Flexibility. You control your hours.
- Work from home – or from wherever you like!
- Best of all… personal satisfaction from helping hundreds or thousands of people save money and gain more healthcare freedom
Email [email protected] to inquire about becoming a Personal Benefits Manager.
TESTIMONIALS: READ WHAT OUR CUSTOMERS HAVE TO SAY!
“Thanks for easing this whole process… I’m frankly not sure I even would have [one], if not for your advice & help with everything!”
“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.”
“[Personal Benefits Manager] Christine did very well. She answered many late afternoon phone calls with personal service which was very welcomed after years of impersonal bureaucratic interactions with other providers. She also gave me real, straight forward non-salesy answers. Much appreciated.”
“Wiley,
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.”
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.
“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.”
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!
Wiley,
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.
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.
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1001-A E. Harmony Rd #519 Fort Collins, CO 80525
Telephone: 800-913-0172
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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.