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health savings accounts

1. What is a Health Savings Account?
    A Health Savings Account (HSA) combines the efficiencies of a high-deductible health plan with extensive banking and investment options in a tax-free account. HSAs can be established by an eligible individual or by an employer for an eligible employee. HSAs are funded and owned by the account holder and is portable. Any unused funds remain in the account and grow tax-deferred until withdrawn for qualified medical expenses - the funds remain in the control of the account holder. More and more individuals and employers see HSAs as a smart way to prepare for rising healthcare costs in the future while saving on taxes today. Our integrated HSA Manager program offers a unique approach to Health Savings Accounts.
2. What makes HSA Manager unique?
    HSA Manager is an innovative Health Savings Account that goes beyond the traditional HSA offering. In addition to providing a deposit account to pay for qualified medical expenses, we offer an integrated investment solution that helps you plan for medical expenses today and into retirement.
3. Are there limitations on the investments I can make in my HSA?
    While the majority of HSA administrators offer a limited selection of investments or a simple interest-bearing checking account, HSA Manager is unique in our ability to offer open architecture -- to accommodate a broad range of investment options. HSA Manager allows you to select virtually any traditional investment, including: stocks, bonds, mutual funds, ETFs, and CDs.
4. How can I view and track investments and available assets in my account?
    Our unique platform, Millennium Trust Online, allows you to access and manage your investment activity. This includes trading in stocks, mutual funds, and ETFs. It provides account summaries, transaction history, portfolio allocations, monthly statements, and the ability to download your HSA investment portfolio.
 
► For a complete listing of Frequently Asked Questions on Health Savings Accounts, visit the HSA Manager website - www.hsa-manager.com/faqs.asp.