The Insurance Center offers a complete line of the finest health insurance products available in New Hampshire and Vermont. From the most complete employee benefit packages available, to the establishment of Health Savings Accounts and more balanced deductible plans, we will design the insurance program that best fits your needs.
We can help you with all Health Insurance & Employee Benefits:
- Individual Major Medical
- Group Medical
- Health Maintenance Organizations
- Preferred Provider Organizations
- Point of Service Plans
- Health Savings Accounts
- Medicare Supplement
Protecting your income if you’re injured
Disability insurance replaces a portion of your regular income when an illness or accident prevents you from working. Acting as a safeguard against the possibility of disability and unemployment, disability insurance ensures that you can maintain your current standard of living.
We offer the following disability insurance option for individuals and businesses:
- Mortgage Disability
- Short Term Disability
- Long Term Disability
Click on the links below for quotes and information.
Health Savings Accounts
Health Savings Accounts (HSAs) are designed to help individuals save for qualified medical and retiree health expenses on a tax-advantaged basis.
Any adult who is covered by a high-deductible health plan (and has no other first-dollar coverage) may establish an HSA. Tax-advantaged contributions can be made in three ways:
- the individual or family can make tax deductible contributions to the HSA even if they do not itemize deductions;
- the individual’s employer can make contributions that are not taxed to either the employer or the employee; and,
- employers sponsoring cafeteria plans can allow employees to contribute untaxed salary through salary reduction.
Individuals age 55 and older are allowed to make additional catch-up contributions to their HSAs. Once an individual enrolls in Medicare they are no longer eligible to contribute to their HSA.
Amounts contributed to an HSA belong to the account holder and are completely portable. Funds in the account can grow tax-free through investment earnings, just like an IRA.
Funds distributed from the HSA are not taxed if they are used to pay qualified medical expenses. Unlike amounts in Flexible Spending Arrangements that are forfeited if not used by the end of the year, unused funds remain available for use in later years.
Download this PDF for more details on Health Savings Accounts.