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The benefits are many, but the final choice in favor of a Health Savings Accounts depends entirely on the individual's situation. Below is a list of pros and cons as published recently in the Chicago Tribune Newspaper.

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Internet Business Opportunity * Tax-free accounts could accumulate money over several years and turn into a sizable health-care nest egg for healthy people with low medical expenses.

A. A Health Savings Account (HSA) is an account that works like an Individual Retirement Account (IRA), except the money saved is earmarked for future health care costs.

Free Money * Consumer is more likely to question health-care expenses that currently do not get much scrutiny.

Health Savings Account (HSA) Plans Let the leader work for you! Assurant Health was the first to introduce the Health Savings Account (HSA), advantaged savings account 1 . It's the most innovative approach to health care financing in years. You won't pay tax on the funds you deposit or the interest you make. And you can use the funds to pay for your qualified medical expenses, or start a nest egg for retirement.

Work At Home Business * High-deductible policies that must be linked with HSAs tend to be cheaper.

Adoption Credit Provisions Clarified In the case of amounts paid for adoptions prior to 2002, which do not become final until after 2001, the $5, 000 limit applies with respect to the limit on qualified adoption expenses. Medical Savings Accounts The availability of Archer Medical Savings Accounts (MSAs) has once again been extended for another year (through the end of 2002). Employees of small businesses (50 or fewer employees) employed individuals can continue to set up Archer MSAs to pay health care expenses, deductible health insurance.

Free Online Affiliate Program * May be attractive to young, healthy people who are uninsured.

employed, as well as early retirees and workers at firms that do not offer health savings accounts (HSAs).

Auction Coin Money Paper * With incentives, could drive down cost of insurance for small- business employees.

Franchise Business Opportunity * If an individual is age 65 or older, he or she can treat certain health insurance premiums (other than premiums for a Medicare supplemental policy, such as Medigap) as qualified medical expenses for purposes of an HSA.

Best Free Online Affiliate * If an employer establishes an HSA for employees, deductible contributions can be made to the HSA account of an employee. Certain rules apply.

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Best Home Based Business * Low-income people don't have as much money to salt away as the well-to-do and often cannot afford the high out-of-pocket costs.

Affiliate Marketing Program * Could cause some to delay or deny themselves needed care in order to economize.

Money Site Thebillivard Com * Chronically ill people would spend accounts each year and would face high deductibles.

Online Business Opportunity * Could make health care for older, sicker people more expensive as young, healthier people abandon the risk pool.

Pay Per Click Affiliate * Could move consumers away from the employer-based insurance model and into individual insurance. But the individual insurance market does not cover people who are sick and is less well- regulated.

Cnn Money * Shopping for health care is difficult when little good information exists that can support comparison shopping.

Business Opportunity Lead * In making contributions, care must be exercised, since excess contributions are subject to a six percent excise tax

Affiliate Program Directory * Beginning with the first month in which an individual is enrolled in Medicare, he or she can no longer contribute to the HSA.

Making Money Program * An individual generally cannot have any other health coverage that is not an HDHP.

Work From Home Business Choosing an Affordable health insurance option doesn't have to be complicated.

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Author, Craig Stiff, Marketing Director for Lifespring Health, writes on the benefits of Health Savings Accounts as an alternative to expensive Health Insurance Policies. More information can be found at www.LifespringHealth.com.

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