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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Highest rated HSA insurance

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: A friend gave me your name to request a different policy. After accepting Unicare Insurance last July, I am finding out that many doctor's office have dropped them and do not accept their insurance as they do not pay well. I have not experienced this, but do not want to wait to find out when we might need them. My husband and I are self-employed and need a HSA compatible type of insurance with approximately $2500 deductible to make it affordable for a family of 4. We are all in excellent health.

A: Celtic Insurance is easily the highest quality HSA-qualified individual and family insurance plan available today. They offer a quick telephone eligibility screening and online pricing and enrollment for a number of popular options including HSA-qualified plans. The national PPO network is PHCS, America's top rated private network, according to Consumer Reports. This is not the least expensive insurance but with insurance, you literally get what you pay for. Please see for more information, pricing and enrollment.


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