Harvard Program on Health Policy & Management

The letter below refers to a program sponsored by Harvard University. Doctor Nelman C. Low was one of many who attended this conference while I was a consultant for the medical industry. I invited many of the brightest doctors in American to attend on their own dime to be educated about the subjects and actions needed to keep medicine and health care working for them and for their patients.

Date: October 18, 1993

Dear Mr. Malin

As a private practice Head & Neck Surgeon, I enjoyed attending the Harvard Program on Health Policy & Management. It was enlightening to review the problems that we have been dealing with in health care from a national viewpoint and from the perspective of health economists, ethicists and business management.

I was encouraged to interact with young enthusiastic physicians who felt that we still had a bright outlook in our profession, but somewhat discouraged by the realization that our profession is rapidly changing and that the business managers and the bean counters will ultimately control medicine if we as active practitioners of medicine do not actively participate in this process of change.

Sincerely,

Nelman C. Low, M.D., F.A.C.S.

This 13+ year old letter is still as poignant now as it was then. We consumers along with our doctors need to understand how to access the best health care services and still maintain control and , flexibility as well as all our options.

I have had some of the best doctors work on me when I needed help. I am glad I knew my options and was able to receive great health care.

Health Savings Accounts (HSA) and HSA-qualified plans make this possibility available to more Americans today than ever before.

I read 10-15 articles every day on this subject, but have noticed most just quote from the Treasury Department, IRS and government documents. Through my research of the past 3+ years on HSAs I have distilled the available aspects, benefits and tools for use by business owners, entrepreneurs, and consumers.

Take action today to educate yourself so you will know the options available to all.

Health Savings Accounts: Maximize Your Money

Health Savings Accounts are quickly becoming Americas leading source of insurance for both individuals and families. Health Savings Accounts hold many benefits for its policyholders. By utilizing a Health Savings Account coupled with a High Deductible Insurance Plan you are able to lower your health insurance premiums, reduce your income tax, as well as build a medical retirement fund. Just to name a few benefits of this coupled insurance plan.

For the full article click below.

http://www.healthsavingsaccountsinc.com/articles/maximizeyourmoney.htm

Health Savings Account Guidelines Made Easy: E-book Success!

I was finally convinced to make available to the general public the manual I use to train, communicate, and answer question about the benefits of having a Health Savings Account.

I am amazed how popular "Health Savings Account Guidelines Made Easy" e-book has become in these few short weeks.

Many thanks to everyone who use it to train their employees, salespeople, as well as a manual for your personal use.

I have so many compliments from HR managers, bankers, insurance companies, investment bankers, CPAs, entrepreneurs and individuals.

"You just make it easier to understand and implement." That is what I hear most.

Thanks for your appreciation.

P. S. I have added Glossary of Terms to the web site.

http://www.healthsavingsaccountsinc.com/glossary.htm

For your own e-book copy visit the web site below.

http://www.healthsavingsaccountsinc.com/

Health Savings Accounts: Article Resource

When learning, reviewing, looking, wondering and always wanting to know more about HSAs, I have another resource that you can refer to for articles pertaining to Health Savings Accounts.

Check it out at: Click on link below

http://www.besthealthsavingsaccountarticles.com/

Health Savings Accounts: Glossary of Terms

Health Savings Accounts (HSA) and HSA-qualified health plans have seemed to always have a language that needed to be explained, so I have made the glossary of terms most commonly used in the interactions, contracts, communications and guidelines available. I know this will give you a great resource to refer to to keep on top of the lingo...so to speak.

Click on the below link and it will take you directly to the glossary page.

(If the clicking on the link below does not instantly open your browser and associated web site, then copy the below link in whole, and paste it into your browser and press enter on your keyboard.)

http://www.healthsavingsaccountsinc.com/glossary.htm

Breaking News!

By popular demand, I have officially released the published Health Savings Accounts Guidelines Made Easy in e-book PDF format for immediate download. www.healthsavingsaccountsinc.com

Thanks to the over 80,000 who link here to use our insight for information on HSAs.

Here is the PRWeb link for your review.

http://www.prweb.com/releases/2007/6/prweb531564.htm

Health Savings Accounts: Worth The Savings?

Health Savings Accounts have become very popular very fast. I have seen the increases every year since 2003 (The year HSAs were passed into law.)

FACT SHEET:

DRAMATIC GROWTH OF HEALTH SAVINGS ACCOUNTS (HSAS)

THEN (2004)…

• 438,000 -- Individuals were covered in November 2004 by HSA-type insurance plans -- according to the America Health Insurance Providers (AHIP).

• 113,000 (roughly 240,000 individuals) -- IRS data on individual tax returns reporting HSA deductions in tax year 20041.

NOW…

• 3.2 million -- Seven fold increase to individuals covered by HSA type insurance plans (November 2004 to December 2005) -- according to AHIP.

o 31% -- Previously uninsured individuals buying health insurance on their own.

o 33% -- Small businesses not previously offering coverage.

o Nearly 50% -- Age 40 or over.

• $1 billion -- Dollars invested in HSAs by Americans, according to data gathered by Inside Consumer-Directed Care (ICDC) newsletter Feb. 24 issue -- based on financial data provided by more than 60 financial firms including JPMorgan Chase, Wells Fargo and The Principal Financial Group.

• 42% -- Number of Individuals or families with incomes below $50,000 buying HSA type insurance on their own, according to "Health Savings Accounts: The First Six Months of 2005" report by eHealthInsurance.

THE FUTURE…

• 14 million by 2010 -- Treasury Department projection of HSA policies (covering 25 to 30 million people) -- based on current law.

• 21 million by 2010 -- Treasury Department HSA policies estimates rise by 50 percent (covering 40 to 45 million people) -- based on the President’s health care initiative.

1 Individual tax returns do not reflect employer financed HSA contributions.

The consumer interest keeps growing every year.

2006 to 2007

4.5 Million Americans are now covered by HSAs.

Another great article on how to use them.
http://www.healthsavingsaccountsinc.com/articles/howtouseyourhsa.htm