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Need convenient affordablechiropractic care? Use your Health         Savings Account
Got back pain? Use your Health       Savings Account
Our mission is to improve quality of life through convenient, affordable           chiropractic care
Page 1 of 34 of Publication 502                                                                             11:34 - 3-JAN-...
IRS Code Section 213(d) Eligible Medical ExpensesAn eligible expense is defined as those expenses paid for care as describ...
How Health Savings Accounts (HSA’s) Will:    Save You 40% to 50% On Your Health Insurance      Make Your Medical Expenses ...
How Health Savings Accounts WorkHealth Savings Accounts (HSAs) are simple and easy to understand.A Health Savings Account ...
U.S. Treasury Department                                                    Washington, DC                      Who Is Eli...
U.S. Treasury Department                                     Washington, DC                          HSA AccountsNo “use i...
U.S. Treasury Department                                                            Washington, DC                        ...
U.S. Treasury Department                                       Washington, DC                      Who Is Eligible for HSA...
U.S. Treasury Department                                    Washington, DC                   Who Is Eligible for HSAs?Perm...
U.S. Treasury Department                                 Washington, DC                    Treasury AssistanceWeb sitewww....
High Deductible HSA-Qualified Health insurance Plans (HDHPs), also known as HSAInsurance Plans, that can be paired with a ...
High-deductible health-insurance plans grow more attractive to employersBy Michelle AndrewsTuesday, June 22, 2010         ...
Utah HSA Insurance PlansIn Utah, you’ll find a large number of companies offering many great HSA-qualified health insuranc...
Arizona HSA Insurance PlansIn Arizona, you’ll find a large number of companies offering many great HSA-qualified health in...
HSA Qualified Expenses - Alcoholism - treatment - Acupuncture - Ambulance - hire - Autoette or Wheelchair  - Birth Control...
Maximize Your HSA: Make sure you use every HSAqualified expense you are eligible for - don’t forget over-the-counter meds ...
How to Establish your Health Savings AccountOnce you have applied for a high deductible health insurance plan, youll want ...
How to Maximize Your Tax BenefitsAn HSA plan is really a pretty simple concept. You have a high-deductible health insuranc...
How to Keep Your Health Insurance Premiums Low1. Raise your deductible as your HSA account grows. When you fund your accou...
Need convenient affordablechiropractic care? Use your Health         Savings Account
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HSA and FSA Facts for Health Care

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Use your Health Savings/Flexible Savings Account for Wellness Care

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Transcript of "HSA and FSA Facts for Health Care"

  1. 1. Need convenient affordablechiropractic care? Use your Health Savings Account
  2. 2. Got back pain? Use your Health Savings Account
  3. 3. Our mission is to improve quality of life through convenient, affordable chiropractic care
  4. 4. Page 1 of 34 of Publication 502 11:34 - 3-JAN-2011The type and rule above prints on all proofs including departmental reproduction proofs. MUST be removed before printing. The type and rule above prints on all proofs including departmental reproduction proofs. MUST be removed before printing. Department of the Treasury Contents Internal Revenue Service What’s New for 2010 . . . . . . . . . . . . . . . . . . . . . . . . 1 Department of the Treasury Contents What’s New for 2011 . . . . . . . . . . . . . . . . . . . . . . . . 1 Internal Revenue ServicePublication 969 What’s New . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1Cat. No. 24216S Reminder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Reminder . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Publication 502Health Cat. No. 15002Q Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Health Savings Accounts (HSAs) . . . . . . . . . . . . . 2 What Are Medical Expenses? . . . . . . . . . . . . . . . . 2Savings Medical Savings Accounts (MSAs) . . . . . . . . . . . . 10 Archer MSAs . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 Medical and What Expenses Can You Include This Year? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Dental Medicare Advantage MSAs . . . . . . . . . . . . . . . . . 15Accounts How Much of the Expenses Can You Flexible Spending Arrangements (FSAs) . . . . . . . 15 Deduct? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3and Other Health Reimbursement Arrangements (HRAs) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 How To Get Tax Help . . . . . . . . . . . . . . . . . . . . . . . 19 Expenses Whose Medical Expenses Can You Include? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 What Medical Expenses Are Includible? . . . . . . . . 5Tax-Favored Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 (Including the Health Coverage Tax Credit) What Expenses Are Not Includible? . . . . . . . . . . . 14Health Plans How Do You Treat Reimbursements? . . . . . . . . . . 16 What’s New for 2010 How Do You Figure and Report the For use in preparing Deduction on Your Tax Return? . . . . . . . . . . . 19For use in preparing Child under age 27. For FSA and HRA purposes, begin- ning March 30, 2010, coverage and reimbursement is 2010 Returns Sale of Medical Equipment or Property . . . . . . . . . 202010 Returns allowed for an employee’s child under age 27 at the end of the employee’s tax year. Damages for Personal Injuries . . . . . . . . . . . . . . . . 22 Impairment-Related Work Expenses . . . . . . . . . . . 23 Health Insurance Costs for Self-Employed What’s New for 2011 Persons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 COBRA Premium Assistance . . . . . . . . . . . . . . . . . 24 Qualified Medical Expenses. For HSA, MSA, FSA, and Health Coverage Tax Credit . . . . . . . . . . . . . . . . . . 25 HRA purposes, a medicine or drug will be a qualified medical expense only if the medicine or drug: How To Get Tax Help . . . . . . . . . . . . . . . . . . . . . . . 28 1. Requires a prescription, Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 2. Is available without a prescription (an over-the-counter medicine or drug) and you get a prescription for it, or What’s New 3. Is insulin. Standard mileage rate. The standard mileage rate al- This applies to amounts paid after 2010. However, it does lowed for operating expenses for a car when you use it for not apply to amounts paid in 2011 for medicines or drugs medical reasons is 16.5 cents per mile for 2010. See purchased before January 1, 2011. Transportation under What Medical Expenses Are Includi- ble. Additional tax increased. For HSA and MSA purposes, the additional tax on distributions not used for qualified COBRA continuation coverage. If you involuntarily lost medical expenses is increased to 20%. This applies to your job between September 1, 2008, and May 31, 2010, distributions after 2010. you may qualify for a 65% reduction in premiums for COBRA continuation coverage for up to 15 months. The premium reduction is not included in your gross income. Reminder You cannot claim the health coverage tax credit for any month that you receive this premium. There are also spe- cial rules for individuals who lost their health coverage Get forms and other information Photographs of missing children. The Internal Reve- Get forms and other information because of a reduction in working hours. Also, certain faster and easier by: nue Service is a proud partner with the National Center for faster and easier by: TAA-eligible and PBGC recipients qualify for an extension Missing and Exploited Children. Photographs of missing of COBRA benefits. Internet IRS.gov children selected by the Center may appear in this publica- Internet IRS.gov For more information, see COBRA Premium Assis- tion on pages that would otherwise be blank. You can help tance, later.Jan 14, 2011 Jan 03, 2011
  5. 5. IRS Code Section 213(d) Eligible Medical ExpensesAn eligible expense is defined as those expenses paid for care as described in Section 213 (d) of theInternal Revenue Code. Below are two lists which may help determine whether an expense is eligible.For more detailed information, please refer to IRS Publication 502 titled, “Medical and Dental Expenses,”If tax advice is required, you should seek the services of a competent professional. Deductible Medical Expenses• Abdominal supports • Elastic hosiery (prescription) • Oxygen and oxygen• Abortion • Eyeglasses equipment• Acupuncture • Fees paid to health institute • Pediatrician• Air conditioner (when necessary prescribed by a doctor • Physicianfor relief from difficulty in • FICA and FUTA tax paid for • Physiotherapistbreathing) medical care service • Podiatrist• Alcoholism treatment • Fluoridation unit • Postnatal treatments• Ambulance • Guide dog • Practical nurse for medical• Anesthetist • Gum treatment services• Arch supports • Gynecologist • Prenatal care• Artificial limbs • Healing services • Prescription medicines• Autoette (when used for relief of • Hearing aids and batteries • Psychiatristsickness/disability) • Hospital bills • Psychoanalyst• Birth Control Pills • Hydrotherapy • Psychologist(by prescription) • Insulin treatment • Psychotherapy• Blood tests • Lab tests • Radium Therapy• Blood transfusions • Lead paint removal • Registered nurse• Braces • Legal fees • Special school costs for the• Cardiographs • Lodging (away from home for handicapped• Chiropractor outpatient care) • Spinal fluid test• Christian Science Practitioner • Metabolism tests • Splints• Contact Lenses • Neurologist • Sterilization• Contraceptive devices • Nursing (including board and • Surgeon(by prescription) meals) • Telephone or TV equipment to• Convalescent home • Obstetrician assist the hard-of-hearing(for medical treatment only) • Operating room costs • Therapy equipment• Crutches • Ophthalmologist • Transportation expenses• Dental Treatment • Optician (relative to health care)• Dental X-rays • Optometrist • Ultra-violet ray treatment• Dentures • Oral surgery • Vaccines• Dermatologist • Organ transplant (including • Vasectomy• Diagnostic fees donor’s expenses) • Vitamins (if prescribed)• Diathermy • Orthopedic shoes • Wheelchair• Drug addiction therapy • Orthopedist • X-rays• Drugs (prescription) • Osteopath
  6. 6. How Health Savings Accounts (HSA’s) Will: Save You 40% to 50% On Your Health Insurance Make Your Medical Expenses Tax Deductible Cut Your Taxes By Up To $1850 Or More
  7. 7. How Health Savings Accounts WorkHealth Savings Accounts (HSAs) are simple and easy to understand.A Health Savings Account is a tax-favored savings account combined with a qualifying high-deductible healthinsurance plan. By allowing you to deposit tax-deductible funds into an account that you can use to cover medicalcosts, HSAs enable you to take control of your own health care decisions.First you must have a high-deductible health insurance plan that qualifies to be partnered with an HSA. These plansare available through various insurance companies, depending in what part of the country you live. The plans are allsimilar in the fact that they have deductibles between $1,200 and $5,950 for singles, and between $2,400 and $11,900for families.Once your insurance policy has become effective, you may fund your HSA account.Tax-subsidized Medical ExpensesEven though you have received a tax deduction by putting your money into this account, the money is still yours tospend tax free, as long as you spend it on qualified medical expenses. Since you have a high-deductible plan, thiswould of course include any expenses you incur from going to the doctor, purchasing prescription drugs, or paying otherexpenses toward your deductible. Once your deductible is met, the health insurance covers your medical expenses asdefined in the policy.In addition to being able to withdraw your money tax free to cover these types of expenses (which might otherwise becovered by a traditional low-deductible high-premium policy), you can use your HSA account to cover other costs thatwould not normally be covered by a health insurance policy.
  8. 8. U.S. Treasury Department Washington, DC Who Is Eligible for HSAs?Any individual that:– Is covered by an HDHP– Is not covered by other health insurance– Is not enrolled in Medicare– Canʼt be claimed as a dependent on someone elseʼs tax return Children cannot establish their own HSAsNo income limits on who may contribute to an HSANo requirement of having earned income to contribute to an HSARevised August 18, 2004 4
  9. 9. U.S. Treasury Department Washington, DC HSA AccountsNo “use it or lose it rules” like Flexible Spending Arrangements (FSAs)– All amounts in the HSA are fully vested– Unspent balances in accounts remain in the account until spent– Encourages account holders to spend their funds more wisely on their medical care– Encourages account holders to shop around for the best value for their health care dollarsAccounts can grow through investment earnings, just like an IRA– Same investment options and investment limitations as IRAs– Same restrictions on self-dealing as with IRAs
  10. 10. U.S. Treasury Department Washington, DC Who Is Eligible for HSAs?What other health coverage is allowed for you to still beeligible for an HSA?- Disease or illness insurance and accident, disability, dental care, vision care and long-term care insurance- Employee Assistance Programs, disease management program or wellness program –These programs must not provide significant benefits in the nature of medical care or treatment- Drug discount cards- Eligibility for VA Benefits –Unless you have actually received VA health benefits in the last 3 monthsRevised August 18, 2004
  11. 11. U.S. Treasury Department Washington, DC Who Is Eligible for HSAs?What “1st dollar” medical benefits make someone ineligiblefor an HSA?–Medicare–Tricare Coverage–Flexible Spending Arrangements–Health Reimbursement ArrangementsThere are permitted HSA/HRA/FSA combinationsRevised August 18, 2004 6
  12. 12. U.S. Treasury Department Washington, DC Who Is Eligible for HSAs?Permitted HSA/HRA/FSA combinations:–“Limited purpose” FSAs and HRAs that restrict reimbursements to certain permitted benefits such as vision, dental, or preventive care benefits–“Post-deductible” FSAs or HRAs that only provide reimbursement after the minimum annual deductible has been satisfied under the HDHP–“Retirement” HRAs that only provide reimbursement after an employee retires–“Suspended” HRAs where the employee has elected to forgo health reimbursements for the coverage period
  13. 13. U.S. Treasury Department Washington, DC Treasury AssistanceWeb sitewww.treas.gov(Click on “Health Savings Account HSA”)Contains all Treasury guidanceContains Model HSA trustee and custodian formsE-mail addressHSAInfo@do.treas.gov•Voice mailbox–(202) 622-4HSA
  14. 14. High Deductible HSA-Qualified Health insurance Plans (HDHPs), also known as HSAInsurance Plans, that can be paired with a Health Savings Account (HSA) are currentlyavailable through many insurance companies.
  15. 15. High-deductible health-insurance plans grow more attractive to employersBy Michelle AndrewsTuesday, June 22, 2010 “Plans with high deductibles -- ones that have annual deductibles of at least $1,200 for individuals or $2,400 for families if theyre linked to an HSA, for example -- are a key element in "consumer-driven health care," an approach based on the idea that people will make smarter, less wasteful health-care decisions if they have a bigger financial stake in their own care. The plans started going mainstream after a 2003 law created HSAs that link to some high-deductible plans. The accounts allow people to put money aside tax-free to cover deductibles and other medical expenses. Employers and employees alike can contribute to the accounts, but the money belongs to the workers, who can take it with them if they leave their jobs. (Money deposited in a flexible spending account, in contrast, disappears at years end if its not used.)” “More employers are adding high-deductible plans to the mix of health plans they offer or using them to replace their traditional plans. In 2009, about 12 percent of employers offered workers a consumer-driven health plan, and many more said they plan to do so, according to an Employee Benefit Research Institute analysis. Bigger companies were most likely to offer them: More than 40 percent of companies with more than 10,000 workers did so. But the plans also have fans among small- business owners because of their lower costs.” “The plans are likely to become more popular with time. "As costs rise, it makes the high-deductible plan more attractive, because its one way to keep premiums down," says Paul Fronstin, director of EBRIs health research and education program.”
  16. 16. Utah HSA Insurance PlansIn Utah, you’ll find a large number of companies offering many great HSA-qualified health insurance plans.The most popular HSA plans in Utah are the Humana, Blue Cross Blue Shield and Time Insurance (FortisHealth and Assurant Health) plans • Blue Cross Blue Shield is one of the most widely known and trusted names in the health insurance industry. Blue Cross Blue Shield of UT has one of the most competitive HSA plans in the state of Utah. • Humana offers an excellent value on HSA plans in many areas. It is often the most attractively priced plan for large families or someone looking for a higher deductible. In addition to hospitalization, this plan also provides coverage for doctor visits and prescription drugs, which is something many of the lowest priced HSA plans dont do. • Time One Deductible HSA plans offer the nations most popular HSA plans. Time Insurance, formerly known as Fortis Health, is an Assurant Health member company.
  17. 17. Arizona HSA Insurance PlansIn Arizona, you’ll find a large number of companies offering many great HSA-qualified health insurance plans. The mostpopular HSA plans in AZ are the SaveRight HSA plan from Time Insurance Company, the HSA Saver and HSA 100 plans fromUnited Healthcare. However, rates vary based on age and zip code, so we suggest you look carefully at all your options. • Aetna is known nationwide as a leader in the health insurance industry. • Blue Cross Blue Shield is one of the most widely known and trusted names in the health insurance industry. Blue Cross Blue Shield has one of the most competitive HSA plans in the state of Arizona. • Cigna Health Insurance has been helping people in AZ lead healthier, more secure lives for more than 125 years. CIGNA offers affordably priced coverage for both HSA and non-HSA coverage in Arizona. • Humana offers an excellent value on HSA plans in many areas. It is often the most attractively priced plan for large families or someone looking for a higher deductible. In addition to hospitalization, this plan also provides coverage for doctor visits and prescription drugs, which is something many of the lowest priced HSA plans dont do. • Time One Deductible HSA plans offer the nations most popular HSA plans. Time Insurance, formerly known as Fortis Health, is an Assurant Health member company. • United Healthcare / Golden Rule offers HSA plans designed for individuals and families willing to take additional responsibility for routine health care expenses. In most parts of the country, Golden Rule uses the United Healthcare PPO network, one of the nations largest and most respected networks. In the areas in which Golden Rule utilizes the United Healthcare network, their rates are especially competitive.
  18. 18. HSA Qualified Expenses - Alcoholism - treatment - Acupuncture - Ambulance - hire - Autoette or Wheelchair  - Birth Control Pills - Blind Persons Services - Braces - Capital Expenditures - - Car Equipment - - Childbirth Preparation Classes - - Chiropractors  - Nursing Services - board and Social Security - Christian Science Treatment - Contact Lenses - paid by taxpayers  - Obstetrical Expenses - Crutches  - Operations - legal - Deaf Persons  - Optometrists - Dental Fees  - Orthodontia - Dentures - Diagnostic Fees  - Orthopedic Shoes - excess costs  - Oxygen / Oxygen Equipment - Diapers (adult disposable) - - Doctors Fees  - Prosthesis  - Psychiatric Care - Domestic Aid - rendered by nurse - Drug Addiction Recovery  - Psychologists  - Psychotherapists - Drugs - prescription or over-the-counter *  - Reclining Chair - for cardiac patients - Dyslexia Language Training  - Remedial Reading - Elevator for Alleviation of Cardiac Condition  - Retarded Person- costs for special home. - Eyeglasses and Examination Fees - Fluoride Device - on advice of dentist  - Retirement Home - lifetime medical care  - Sanitarium Rest Home - medical, educational, rehabilitative services - Halfway House - adjustment to mental hospital - Healing Services Fee  - Schools - special, relief, or handicapped - Health Maintenance Organization  - Sexual Dysfunction Treatment - Hearing Aids  - Sterilization - Hospital Care  - Surgical Fees - Insulin  - Swimming Pool - treatment of polio or arthritis - Laboratory Fees  - Teeth - artificial - Laetrile - by prescription  - Television - closed-caption decoder - Lead Paint Removal  - Therapy Treatments - prescribed by a physician  - Transportation - essentially and primarily for medical care - Lazer eye surgery - Lodging (treatment related, and with restrictions, up to $50 per person)  - Weight Loss Programs - as a treatment for the disease of obesity  - Wheelchair or Autoette - Medical conference fees (relating to chronic illness; no lodging or meals) - Medicare Parts A and B  - X-rays - Legal Expenses - authorizing treatment of mental illness  - Mileage - Lifetime Medical Care - prepaid; retirement home  - Stop smoking programs - Limbs - artificial  - Vasectomy - Mattress - prescribed for alleviation of arthritis  - Vision correction - Membership Fees - medical services, hospitalization, and clinical care - Stop-smoking programs * Note: Over-the-counter drugs will no longer be considered qualified expenses after January - Nursing Home - medical reasons 1, 2011
  19. 19. Maximize Your HSA: Make sure you use every HSAqualified expense you are eligible for - don’t forget over-the-counter meds with a prescription, eyeglasses andcontacts, and expenses for alternative care likehomeopathy or chiropractor visits. And to make sure youstay in the best HSA insurance plan for your needs,compare rates with competing plans at least once a year.
  20. 20. How to Establish your Health Savings AccountOnce you have applied for a high deductible health insurance plan, youll want to go ahead and set up your Health SavingsAccount. You are not required to establish an HSA, but by funding the account as soon as possible youll be able to takeadvantage of the tax-deductions and tax-deferred growth that HSAs offer.To establish your HSA, follow the steps below: 1. First, you will need to choose the bank or trustee that you would like to administer your HSA. While some insurance companies offer to administer your account (only if you have their insurance plan), you may also choose to work with an outside, third party administrator. For a list of companies offering HSAs, please visit our HSA Administrator page. There youll find information on fees, interest rates, and investment options. If you plan on keeping the money invested in an interest-bearing savings account, youll want to initially look at the fees that the various administrators charge, and choose one with lower or zero fees, such as American Charter Bank. Many of our customers choose to place their HSA funds with an administrator that offers investment options, such as HSA Resources or HSA Bank. 2. Once you have chosen your administrator, you will need to download their enrollment form. You may obtain these forms on our HSA Administrator page by clicking on the name of the company youve chosen. At the bottom of the administrators web page, you can obtain their enrollment form by clicking the link that says "Open their Application." 3. After downloading the proper enrollment form, you will need to send it, along with your opening deposit, to the address listed on the enrollment form. You will receive your introductory packet, including complete instructions on how to make future deposits and the options you have for withdrawing your funds, in approximately two weeks.
  21. 21. How to Maximize Your Tax BenefitsAn HSA plan is really a pretty simple concept. You have a high-deductible health insurance plan, which youhope to never use. But if something big does happen, it will protect your assets and cover your medicalexpenses. But there are a few things that you should know that can make a big difference in how muchmoney you spend, and how much money you accumulate in your account.Because HSA contribution limits are based on the number of months during the year in which you have aqualifying health insurance plan, you should get your coverage in place as soon as possible.There are basically three different strategies you can take when deciding how to fund your health savingsaccount. 1. Put no money in the account (or the minimum amount required to open the account), except when you incur a medical expense. This strategy allows you to legally "launder" any money used to pay medical expenses. In other words, by depositing money into your HSA, then immediately withdrawing it to reimburse yourself for medical expenses, you are making your medical expenses all tax-deductible. You may want to use this strategy if you are on a tight budget and want to keep your cash outlay as low as possible. 2. Fully fund the account, or at least put in as much as possible based on your budget. Take money out of the account any time medical expenses are incurred, and let the rest grow tax-deferred. This strategy will maximize your tax deduction, while making your HSA funds available to pay any non-covered medical expenses before your deductible is met. 3. Fully fund the account, but pay all medical expenses from a non-HSA account. Reimburse yourself for medical expenses at a later date. This strategy will allow you to maximize your tax deduction, and will also allow you to maximize the tax-deferred growth of your HSA. You can then reimburse yourself, tax- free, at any time in the future for medical expenses incurred over the ensuing years. (For an example of this strategy, see Maximize Your HSA, Issue 3).To maximize the potential growth of your funds, you may want to make your HSA deposits as early in theyear as possible. Any growth in your account is tax-deferred, like an IRA.Once you get your health insurance plan established, you may want to set up a Health ReimbursementArrangement so that your business can cover the cost of your health insurance and other medicalexpenses, further reducing your taxes.
  22. 22. How to Keep Your Health Insurance Premiums Low1. Raise your deductible as your HSA account grows. When you fund your account you build up a financial "cushion" which allows you to raise your deductible as your account grows. Every time you raise your deductible, your premium should go down. By the way, dont forget that every time you fund your account you get an instant tax-deduction. When you offset the tax savings against your premiums, youll find your net cost for an HSA plan can be very low. The maximum allowable contribution goes up every year with the rise of the Consumer Price Index. The individual contribution limit is $3,050, and the family limit is $6,150. So each year you can deposit greater amounts into your HSA and continue to raise your deductible, if you choose.2. Stay healthy, so you can switch plans. All health insurance plans have rate increases. If a rate increase happens to you, you can switch to a different insurance company - but only if you pass their underwriting requirements. If chronic disease develops, you may be stuck with your current plan, and its accompanying rate increases, for eternity. Or at least it may seem that long… If you pay attention to the pharmaceutical commercials, you learn lifestyle really has nothing to do with disease, and it is natural and healthy to be on many medications for the rest of your life, which will then solve your health problems. If you pay attention to the science, you know the truth is quite different. It appears lifestyle is probably 95% of the picture, and we know the occurrence of degenerative disease can be dramatically reduced and even prevented. Weve found many HSA owners are interested in wellness, and disease prevention. After all, theyre paying for their own doctor visits if they do get sick. We also believe it is because HSA owners are "forward thinking" people, and like to plan for their future - both financial and physical. You can improve your odds of excellent health with just a few key habits: ◦ Eat very high quantities of fresh vegetables and fruits. Shoot for 35% of your calories. This will lower your risk for diabetes, high blood pressure, heart disease, cancer, and more. ◦ Limit your intake of sugar and starchy carbohydrates like bread and pasta. The majority of health problems in the U.S. are related to metabolic diseases that involve insulin resistance, a direct result of eating too many processed foods. ◦ Exercise and lift weights.
  23. 23. Need convenient affordablechiropractic care? Use your Health Savings Account
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