Consumer-Driven Health Care -- You Really Do Have a Say in All of This!

According to a recent study conducted by the Washington, D.C.-based Kaiser Family Foundation and the Health Research and Educational Trust, premiums have nearly doubled in this country since 2000. As a result, more employers are turning to consumer-driven health plans, which provide insurance with a high deductible, often surpassing $1,000.

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Typically, a worker, often with a contribution from his employer, puts cash aside in a tax-free health savings account (HSA), which he uses for smaller expenses.If the worker spends less than the account balance in a given year, he gets to carry over what's left. building a health care nest egg.

Although there is no quick fix, employers today are looking for any strategies to try to reduce rising health care costs. At the same time, the employer needs to make a commitment to ongoing education for employees, which is much more than a one time meeting to explain everything. Working with our team of experienced producers and customer service representatives can save employers a lot of time, while making sure that they are using the right mix of options that best fit their specific needs.

Health insurance is not the easiest thing in the world to understand, so its important to work with a seasoned professional who can walk you through the maze of offerings available to you today.

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• 2007 Health Savings Accounts new guidelines

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