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HSA open account



Must have a High Deductible Healthcare Plan (HDHP) before opening & funding a HSA account.  See below for more info or contact us.


To link as us  your agent, call 800-300-1506.  Alternatively, once loggedin, click "help", seach for Herman Nainkin under "agent" directory and follow instructions.

HEALTHCARE SAVINGS ACCOUNTS (HSA) allow you to contribute to a savings account specifically earmarked for health insurance expenses.  Unused HSA balances earn interest, accumulate over time and serve as a "use it or save it" account.

Contributions has tax benefits while withdrawing funds for eligible medical expenses can be made tax free.  HSA's are a great way to save for deductibles, co-payments and out of network healthcare expenses on a tax advantaged basis.  A debit card or optional check book provides easy access to your HSA.  Tax reporting is made easy by providing you with a summary of contributions & withdrawals at the end of each year. 

You are qualified to open & contribute towards an HSA if:
*  You are covered by a single or family high-deductible health plan (HDHP).
*  You are not covered by any other health plan providing any of the same benefits as the HDHP.
*  You are not enrolled in Medicare.
*  You cannot be claimed as a dependent on another person's tax return.

To learn more about HSA's, click this link.

Covered California is where Californians can get brand-name health insurance under the Patient Protection and Affordable Care Act. It's the only place to get federal premium assistance to help you buy health insurance from a range of carriers. That means you may qualify for a discount on a health plan through Covered California, or get health insurance through the state's Medi-Cal program. Either way, you'll have great health coverage. is sponsored by Covered California and the Department of Health Care Services, which work together to help health insurance shoppers get the coverage and care that are right for them.

You can learn more about the coverage available through Covered California in the Individuals and Families section of the Covered CA website.  Or contact us to see if you qualify, to help you apply or if you wish to name us as servicing agent on your existing plan.  There is no additional cost to using us as your agent.


Deductibles: Is the amount of money you must pay in a calendar year for medical services before you can claim health insurance benefits.  Having a higher deductible usually means the cost of your insurance is lower and visa versa.

Copayments/Coinsurance: Is a percentage or fixed Dollar amount that a member pays, once the deductible has been met, as part of sharing costs with the insurance carrier until a specified limit, known as a "maximum out of pocket" has been reached.  Plans with higher co-payments usually have lower premiums and visa versa. 

Maximum Out of Pocket: Is the maximum financial exposure of a member or family as a result of deductibles and copayments thereby providing clarity on the financial limit afforded as a result of the membership to a particular insurance plan.   Once this point is reached, the insurance carrier is typically paying 100% of all further medical costs for the remainder of the calendar year.  Plans with higher maximum out of pocket limits usually have lower premiums.