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You buy health coverage to protect your family. Do you want to accept restrictions on which doctor your family can use? Of course not! Don't you want the right to choose your doctor -- and the right to change doctors anytime, for any reason, or for no reason at all?

People need health insurance to protect their assets and property from big medical bills. We offer a low-cost, high deductible major medical insurance policy that pays for those big bills. You pay the small bills, and the insurance company pays the big bills. And, thanks to new federal legislation, you can pay the small bills with a new Health Savings Account tax-free!

Health Savings Accounts were created in 2004. They allow anyone who has qualifying high deductible insurance to fund a Health Savings Account that is 100% tax-deductible. The money can be used tax-free for medical expenses, and if it's not used, it rolls over year to year. At age 65, the money can be used like a retirement plan, or still saved for future medical expenses.

Beginning in 2007, Congress changed some of the rules for HSAs to make them even more attractive. Now, regardless of your deductible, you can fund up to $2,850 as a Single, or up to $5,650 as a Family into the tax-deductible Health Savings Account.

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