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Health Reimbursement Accounts (HRA)
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Health Reimbursement Account (HRA) Overview: Option 1: Lower health insurance premiums by raising the health insurance deductible and take advantage of tax savings through employer provided HRA benefits resulting in significantly lower total expenses. Option 2: Use of group health insurance is recommended but the HRA strategy can work with individual and family health insurance policies. |
Explanations from Zane
Link for: Zane Group HRA Link for: Zane POP Link for: Zane HRA |
Scottsdale Area Chamber - HRA Plan
Save up to 30% using the by bidding your group health insurance and combining the most competitive insurance rates into an HRA optimized solution. MORE INFORMATION TO FOLLOW - DEDICATED WEBSITE TO BE CONSTRUCTED. |
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HRA PROS and CONS:
PROS: 1. Lower health insurance premiums with high deductibles. 2. Tax deductible employer contributions to Health Reimbursement Accounts. 3. Tax free benefits to employees 4. Wider array of eligible medical, dental, and vision expenses. 5. Save on network provider discounts for doctors, hospitals, etc. 6. Better control of benefit funds. 7. Only pay for what is needed and used. 8. Minimal total liability to employer and employees. CONS: 1. Minor fees however significant total savings. 2. Not every health insurance company has automatic claim feeds. 3. Tax rules and regulations. |
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IRS Forms PDF forms downloaded from www.IRS.Gov.
1040 U.S. Individual Income Tax Return - Please see line 25. and Form 8889 - Health Savings Accounts (HSAs) Two main www.IRS.gov publications; 502 - Medical and Dental Expenses Including the Health Coverage Tax Credit 969 - Health Savings Accounts and Other Tax-Favored Health Plans Please consult your CPA or Accountant For Tax Advice Or Contact Us For a Referral. |
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HSA Information and Resources
HSA Center - Excellent Resource US Treasury Department - Main HSA Page Articles by Paul Breslau in Scottsdale Airpark News - Acrobat PDF - September 2011 - Ways to Save - July 2007 - Out Of Hot Water - September 2005 - Be Your Own Insurance Company - January 2005 - Take The Money, Not The Prize |
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