Affinity Health Plans - Our Plans Begin With Your Members.

Member Employer Benefits

Lower group health insurance premiums
Employees choose providers and make their own decisions
Predictable annual costs
Improved employee morale

Individual Member Benefits

Enormous savings from lower insurance premiums and tax deductions
Unused amounts roll forward to the following year
Complete control over healthcare decisions up to annual deductible
HSA funds can be used for wellness (e.g. weight loss, smoking) and sickness programs and services - including medical, dental, vision, chiropractic and much more.

Let the Association HSA market leader work for you!

Affinity Health Plans was the first health insurance organization to introduce the Health Savings Account (HSA), a tax-advantaged savings account, to associations and their members. Over the past several years, members of our clients have realized average annual premium and tax related savings of 42% over traditional health insurance plans. Now that's real value....and substantial savings!

Health Savings Accounts are the most innovative approach to health care financing in years. Members won't pay tax on the funds they deposit or the interest they earn. And members can use the funds to pay for their qualified medical expenses, or start a nest egg for retirement.

Affinity Health Plans offers your members seamless, simple administration of their account — all online. We're the Association HSA leader because we're the only company that:

Offers your members an integrated health plan and HSA administration at no additional cost. Remember, we provided the first Association HSA in the United States.
Offers your members multiple investment options, including mutual funds and direct stock deposits, so their HSA funds can grow.
Provides multiple health plan platforms that will meet members' specific needs and requirements for years to come.

Your member HSA pays for all qualified medical expenses below the annual deductible on your health insurance policy-such as doctor visits, prescriptions, and even some over-the-counter medications. Members can also use their HSA to purchase long-term care insurance or pay for health insurance premiums during periods of unemployment. When it comes to HSAs, our focus is on member education. Our in house health insurance professionals are trained extensively on all aspects of HSA legislation, IRS guidelines, enrollment procedures and HSA administration to ensure a smooth member transaction.

When your members realize the money you can save with a Health Savings Account (HSA) from Affinity Health Plans, it's easy to see why it's the smartest way to pay for health care expenses. Take a look:

	Typical Member Family Health Plan Three times single deductible: $3,000	HSA Member Plan Common Family deductible: $5,200
Coinsurance	80% 20% (doctor office copay)	100%
Family Out of Pocket Maximum	$3,000	$5,200
Premium Paid	$6,720	$3,016
Your share of medical care expenses ($1,500 claim)	$1,000 for deductibles, $100 for coinsurance, $550 for other non-covered medical expenses + $1,650	$1,500 for medical expenses and $550 for dental/eyewear expenses + $2,050
Expenses subtotal	= $8,370	= $5,066
Tax savings on HSA deposits (Assumes a 28% tax bracket on deposit of $5,200, the maximum contribution allowed with a $5,200 deductible)	$0	$1,456
Net expenses (out-of-pocket minus savings)	$8,370	$3,610
Total net savings with HSA Plan		$4,760

Let us help your members be smart about paying for their health care expenses.

They'll see these advantages:

“Tax-advantaged” dollars — the smartest way to pay for your medical expenses1
The money's always yours — since your balance rolls over each year, “use it or lose it” doesn't apply