Health Insurance - HSAs

• Individual Health Insurance:  We work with you to find a plan that fits your budget while still meeting your needs.  We are able to quote you PPO, HDHP and medical supplements for your health plan.

• Group Health Insurance:  We work with you to first understand your current health plan benefits, then go out and search the well rated health carriers that have similar plans for your group size.  Whether you desire to stay with a PPO plan or review the HDHPs with HSA's, we will show you clear comparisons of each plan including the differences that both employer and employee will have with each.  We also have a variety of other group benefits for your consideration including:  dental, vision, life, disability, etc.

• Health Savings Account (HSA):  We would like to show you the benefits of a Health Savings Account (HSA), and how they work with your high deductible health plan.  In addition to generally reducing your health premiums, there are tax advantages to you and to your employees in using these plans.  These plans are easy to establish and with very little expense.

Here's an example of what we can do for you:

A group employer was concerned with constant annual premium increases.  The employer wanted to continue to provide an attractive health plan to employees without increasing the employees' cost.

     The Solution:

We were able to find a High Deductible Health Plan, added a Health Savings Account which the employer decided to fund the first $600 per year for each employee.  The employees now actually have a reduced out-of-pocket maximum per year and the employer is saving over 15% of what they were paying for the prior coverage.  At KeyBridge Insurance Services, Inc., we like it when employers and employees are happy with their group coverages.