Assurant Health Savings Account (HSA) Plans

Let the leader work for you!

Assurant Health was the first to introduce the Health Savings Account (HSA), a tax-advantaged savings account1. It's the most innovative approach to health care financing in years. You won't pay tax on the funds you deposit or the interest you make. And you can use the funds to pay for your qualified medical expenses, or start a nest egg for retirement.

When you look at the money you can save with a Health Savings Account (HSA), it's easy to see why it's the smartest way to pay for your health care expenses. Take a look:

	Typical Family Plan Three times single deductible: $1,000	HSA Plan Common Family deductible: $5,200
Coinsurance	80% 20% (doctor office copay)	100%
Premium Paid	$6,720	$3,016
Your share of medical care expenses ($1,500 claim)	$1,000 for deductibles, $100 for coinsurance, $550 for other non-covered medical expenses + $1,650	$1,500 for medical expenses and $550 for dental/eyewear expenses + $2,050
Expenses subtotal	= $8,370	= $5,066
Tax savings on HSA deposits (Assumes a 28% tax bracket on deposit of $5,200, the maximum contribution allowed with a $5,200 deductible)	$0	$1,456
Net expenses (out-of-pocket minus savings)	$8,370	$3,610
Total net savings with HSA Plan		= $4,760
Note: If you are self-employed, you can deduct your premium.

Let us help you be smart about paying for your health care expenses.

You'll see these advantages:

• “Tax-advantaged” dollars — the smartest way to pay for your medical expenses1
• The money's always yours — since your balance rolls over each year, “use it or lose it” doesn't apply

Assurant Health offers you seamless, simple administration of your account — all online. We're the HSA leader because we're the only company that:

• Offers you an integrated health plan and HSA administration all on one site — so you don't have to go back and forth between screens to make sense of things.
• Offers you seven different fund families — so you can grow your funds
• Provides three options for waiving the small monthly fee

Health Savings Accounts are available with qualified high deductible health plans, like the One Deductible plan.

1 Assurant Health and its legal entities are not engaged in rendering tax, investment or legal advice. Federal and state tax regulations are subject to change. If tax, investment or legal advice is required, seek the services of a licensed professional.

2 Your rate may vary. Many sates allow for state tax deductions on HSAs.

Assurant Health and its affiliates are not engaged in rendering tax, investment or legal advice. Federal and state tax regulations are subject to change. If tax, investment or legal advice is required, seek the services of a licensed professional.

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