Health Savings Account

Healthcare expenses are an important part of financial planning, and a Health Savings Account (HSA) provides a powerful way to manage those costs. An HSA allows eligible individuals to set aside pre-tax dollars to pay for qualified medical expenses, offering valuable tax advantages and long-term savings potential.

At Golden Rule Insurance Agency, we help individuals and employers implement Health Savings Account solutions that promote financial flexibility, savings, and healthcare security.

What a Health Savings Account Covers

Funds from an HSA can be used for a wide range of qualified expenses, including:

• Medical Expenses – Copays, deductibles, and eligible out-of-pocket costs

• Prescription Medications – Approved prescriptions and treatments

• Vision Care – Exams, glasses, and contact lenses

• Dental Expenses – Preventive and restorative care

• Qualified Healthcare Services – IRS-approved medical expenses

HSAs are typically paired with qualified high-deductible health plans (HDHPs).

Why Health Savings Accounts Matter

HSAs offer significant advantages:

• Triple Tax Benefits

  • Contributions are pre-tax

  • Funds grow tax-free

  • Withdrawals for qualified expenses are tax-free

• Long-Term Savings Potential
  Unused funds roll over year after year

• Portability
  The account belongs to the individual, not the employer

HSAs can serve as both a healthcare spending tool and a long-term financial asset.

A Benefit Designed for Financial Control

Health Savings Accounts provide flexibility and control over healthcare spending. Golden Rule Insurance Agency works with clients to:

• Determine eligibility and plan compatibility

• Structure contribution strategies

• Simplify implementation and education

Build Healthcare Savings with Confidence

An HSA is a strategic tool for managing both current and future healthcare expenses. With the right guidance, Golden Rule Insurance Agency helps you maximize the financial and tax advantages of a Health Savings Account.