| Hello John, Health saving accounts (HSAs) are game changer for empowering Americans to take back control over their health care. The benefits of an HSA: think of an HSA like a 401k for your health care. It allows you to put money aside PRE-TAX for your family's health care. The pre-tax HSA savings can have a huge impact on your finances. Suppose you are in the 24% tax bracket, and you use your HSA to pay $100 for a prescription drug. Well, because the money in your HSA is pre-tax, it’s like you’re saving $24 on that expenditure. They also earn interest, and the fund can be invested in further gains. Plus, you can use HSAs to cover a wide array of health care expenditures. Here are just a few: - out-of-pocket expenses like deductibles and copays
- prescriptions drugs costs
- over-the-counter cold medicines
- medical devices
- medical treatments not covered by insurance, such as visits to a chiropractor
But HSA benefits don’t end there. The interest your money earns in the account isn’t taxed, either. Funds in the account at the end of the year are rolled over to the next year and because an HSA is not connected to a job, it’s portable, so it stays with you. But maybe the best part is that with an HSA this is no insurance company middleman, annoying paperwork, or government bureaucrats to deal with. With an HSA, you’re in control. And with that control, you get to see the doctor that you want – not the one your insurance company wants. Now, the downside – you knew there had to be one! – is that government rules severely limit who can have an HSA. That sad fact is, only 1 in 10 Americans qualifies for an HSA. That’s just wrong! Every American should have access to these money-saving accounts. Tell your lawmakers that you want universal access to HSAs. It’s easy and we’ll walk you through the steps to make your voice heard. | 
