Pioneers in 5 Star Service • Ronstadt Insurance • Tucson, AZ • 520-721-4848

Health Savings Accounts

Why You Should Consider a Health Savings Account (HSA)

A Smarter Way to Pay for Health Care—and Save for the Future

Healthcare costs aren’t going down anytime soon, and managing those expenses wisely is more important than ever. That’s where a Health Savings Account (HSA) comes in. An HSA is more than just a way to pay for medical expenses—it’s a powerful tool for saving money, reducing taxes, and building financial flexibility.


💡 What Is a Health Savings Account (HSA)?

An HSA is a tax-advantaged savings account designed to help individuals and families pay for qualified medical expenses using pre-tax dollars. But it’s much more than that:

  • You own the account—not your employer or your insurance company

  • The money rolls over every year—no “use it or lose it” rules

  • The funds are portable—your HSA goes with you even if you change jobs or retire

  • It grows tax-deferred, and you can invest the balance for future use

To open an HSA, you must be enrolled in a High Deductible Health Plan (HDHP), a type of insurance that covers major medical expenses while allowing you to pay everyday healthcare costs with HSA funds.


🚀 Why an HSA Is One of the Smartest Financial Tools Available

With an HSA, you get a triple tax advantage:

  1. Contributions are tax-deductible

  2. Earnings grow tax-free

  3. Withdrawals for qualified medical expenses are tax-free

Plus, after age 65, you can withdraw funds for any reason without penalty—just like a retirement account (you’ll only pay ordinary income tax on non-medical withdrawals).


✅ Use It for a Wide Range of Qualified Expenses

Your HSA can be used for much more than doctor visits:

  • Prescription medications

  • Dental care and orthodontics

  • Vision exams, glasses, contacts, and even LASIK surgery

  • Mental health services

  • Physical therapy

  • And much more
    [See the full list of eligible expenses →]


💼 Who Should Consider an HSA?

An HSA is ideal for:

  • Individuals or families who want more control over their healthcare spending

  • People looking for tax savings and investment opportunities

  • Anyone enrolled in a High Deductible Health Plan (HDHP)

  • Healthy individuals who want to build a healthcare nest egg for the future


Take Control of Your Health—and Your Finances

A Health Savings Account offers a rare combination of flexibility, control, and long-term benefits. It’s one of the most powerful—and underutilized—financial tools available today.

📞 Want help choosing the right HDHP or setting up your HSA? Call us today at (520) 721-4848.
Let us help you make the most of your healthcare dollars.

Eligible Expenses

Click Here to Open a Health Savings Account Today