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Review of the Golden Rule HSA Health Insurance products.

Many companies offer an HSA product. There are not too many variations that can be made with these products, but there are a couple of things that differentiate their products from the others. First, the rates are very competitive and if one is a non-smoker and one’s body build (height to weight ratio) falls within the company’s preferred range, the rate is hard for other companies to compete with. Their underwriting standards are tough but for those in excellent health, the reward is an excellent rate. For those that want to take the spirit of the HSA to the next level, Golden Rule offers what they call the “HSA Saver” plan. This product further reduces the cost of insurance by eliminating office calls, prescription, and preventive care. When you think about it, this is not much to give up, since these things are not covered anyway unless the high deductible is reached for the year. Keep in mind; you can still pay for these things with the tax free savings. This alone will cut the cost of these predictable items by 30 to 55% depending on your tax situation. When you look at the extra cost for the regular HSA that covers these things, and then you realize the low probability that the insurance will actually pay anything toward these, I think you will see how this “HSA Saver” plan makes sense. The last point to top everything off is that the interest on the savings account arranged by Golden Rule with the bank they work with. It is a flat 4% no matter what the balance in the account. There is a per month service charge, but that is quickly overcome by the excellent interest rate. In summary, Golden Rule had the spirit of the HSA in mind when they put their programs together.

Richard Evans

About the Author: Richard is the owner of Affordable Health, Life and Annuity Services, Richard is an independent agent with 15 years experience in the Health Insurance Industry. He is also the owner of DreamProtector Agency LLC, an investment advisor and certified college planning specialist.