Hi, I’m Lou Spatafore

Greetings, and welcome to HSA for America

I believe that when it comes to healthcare, the power should be in the hands of the consumer, as opposed to the hospitals and insurance companies. This means empowering my clients with the knowledge and tools they need to make the right decisions for their health, wealth, and happiness.

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720-741-1561

Schedule an Appointment with Lou Spatafore

As your Personal Benefits Manager, I help people:

Reclaim control of your healthcare dollars
Pay less per month in premiums
Generate wealth with an HSA (Health Savings Account)
Switch to Health Sharing, a low-cost alternative to insurance

As long as you have your plan, I’ll be your on-demand, no-cost expert for all things healthcare, backed by the power, knowledge, and reputation of the entire team at HSA for America.

Get an instant
Health Insurance Quote

OR

Get an instant
Healthshare Quote

More About Me

I was only 26 when I took over my family’s retail furniture business. My father, a WWII vet with the U.S. Navy, built the company from the ground up. His success is what allowed me to become the first member of my family to graduate from college. Returning to the family business was my way of honoring my father’s determination and humility.

After 31 years, the time came to make some changes. I rebranded the store as an antique mall with over 80 vendors, and within short order, I received an offer for the company that I couldn’t turn down. It was the end of a multi-generational business journey, but I know that my father would have been proud.

After that, I knew that if I wanted to keep going, I would need to reinvent myself. I was approached by a friend about switching from retail to insurance, so I decided to give it a try. And I was hooked! It wasn’t long before I was running my own agency.

What I loved about the insurance biz, even from the beginning, was the opportunities it provided to interact with people. I get to spend time with real-life people and help them find a healthcare solution that can truly change their life. It gives me a level of satisfaction that you just can’t buy.

My wife Deloris and I enjoying gelato, Trevi Fountain in Rome, Italy

lou-in-school

Donating dictionaries to a third grade class, Fairmont, WV

Why I Joined HSA for America

There’s a lot to be said for running your own company. But as a Personal Benefits Manager with HSA for America, I get to spend even more one-on-one time with my clients, which is the reason why I got into this business in the first place.

I also get to be a part of a real team of experts, who don’t hesitate to help each other out if it means finding a better deal for our clients. I have more resources than ever before to help my clients find the insurance plan that’s right for them. Sometimes that means finding the lowest premium possible, and for others, it means choosing a plan with the right balance of coverage.

Finding better health insurance is similar to the retail business. When you come to me for help, I take the time to really listen to what you’re looking for. Then I’ll do everything in my power to get it for you. I’ll never pitch you on something you don’t need. My father never would have done that in the furniture store. You can bet that I won’t either.

Let’s Start a Conversation

If you need help with your healthcare strategy, give me a call. There’s never any obligation to buy; Just a real conversation, with a real expert that wants to help.

I look forward to meeting you!

Sincerely,

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Lou Spatafore
LouSpatafore@HSAforAmerica.com
Direct Line: 720-741-1561
Schedule an Appointment with Lou

Testimonials from Lou’s Clients…

Sharon Romine

-Clarksburg, WV

“My correspondence with Lou has been remarkably insightful.”

My correspondence with Lou has been remarkably insightful. He has also managed to answer my many questions, and thereby allow me to avoid the wait time.

Scott Egbers

-IA

HSA for America, and Lou Spatafore, provided a way to pay for healthcare costs, that is affordable and provides what is needed. I appreciated that Lou explained everything so that we understood how the health sharing works, and he was available whenever we had questions.

I don’t know of anything to do better at this time.

Kevin Henderson

-GA

Lou presented with tremendous patience and understanding in helping me establish my insurance coverage. His desire to see me succeed was sincere and appreciated.

Neil DeFrancisco

-MD

Lou made me feel comfortable with the new concept of Health Sharing by being himself, honest, and sharing his own experiences.

There are still many unknown details as to what preventive care means and how it is executed as well as that first “claim” to be shared. Without some trust and confidence that the people involved will do the right thing I may not have moved forward.

Read Blog Posts by Lou

Diverse team celebrating in a meeting, highlighting effective employee benefit communications to boost engagement and retention.

Employee Benefit Communications: How to Boost Engagement and Retention

Lou Spatafore
June 4, 2025
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