Hi, I’m Jordan Spencer

An organization that actually lives its mission

I came to HSA for America as a client before I ever came on as a Personal Benefits Manager (PBM), so I have seen this team from both sides of the desk. What I found from the inside is the same thing I felt as a client: a company that leads with honesty, treats families like humans instead of policy numbers, and genuinely believes there is a better way to handle healthcare in this country.

That is why I love working here. The HSA for America mission is not a wall poster. It is the actual way every person on this team approaches each conversation, and it is exactly the kind of company I want my name attached to.

Why I talk about HSAs and health sharing every chance I get

I am a huge advocate for both Health Savings Accounts and health sharing programs because they are such innovative, honest solutions to the affordability crisis so many of us face. I do not say that as a sales pitch. I say it because I have lived it.

An HSA is a tax-advantaged account you pair with a qualifying health plan. You put money in, it grows tax-free, and you use it to pay for qualified medical expenses. That is the short version. The longer version is the part I love: an HSA puts you back in charge of your own healthcare dollars instead of handing that control to someone else.

What happens when someone in your family actually gets sick

This is the question every family really wants answered, and it is a fair one. With the right HSA-qualified plan, you typically pay lower premiums month to month, and your HSA funds are there to cover the deductible and out-of-pocket costs when you need them. Over the long run, an HSA can save you money in the years you are healthy, and it is there for you in the years you need more care. It is built for real life, not just the brochure version of it.

The tax side of HSAs is almost unfair in how good it is

The tax advantages of an HSA are genuinely one of my favorite things to explain to people, because most families have no idea what they are missing. Contributions go in pre-tax. The money grows tax-free. When you use it for qualified medical expenses, you pay no tax on the way out. There is no other account in the tax code that does all three. Once families see that, they usually ask me why nobody ever told them about this before.

Why I am a fan of health sharing plans

Health sharing was a game-changer for my own family, so I have a soft spot for it, and I am honest with clients about why. For many families, especially self-employed ones like mine was, health sharing is the difference between having coverage for medical expenses and having none at all. It is affordable, it is community-based, and for the right family it is an excellent fit. I walk every client through whether it makes sense for their specific situation before recommending it, because it is not right for everyone. But when it is right, it really is right.

What being a client first taught me

Before I ever worked in this field, I was the one making the phone calls, comparing the plans, and trying to figure out what the fine print actually meant. I know what it feels like to sit at the kitchen table staring at numbers that do not add up. That experience is the reason I slow down with every family I work with now. Nobody should have to figure this out alone, and nobody should feel rushed through a decision that affects their whole household.

Before and after work