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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.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Information on HSAs

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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: I am looking for information concerning an individual HSA, high deductible plan for South Florida, as well as family rate.

A: A great resource is This site has downloadable applications for the largest HSA administrators, including both free and paid accounts depending on your requirements. This site also include links to pricing and enrollment to Florida's two highest quality qualified insurance plans. Coverage details, rates and enrollment can be requested online. This site does not list the insurance plans that have higher than average consumer complaints so while these carriers are not necessarily the cheapest, being picky could wind up saving some headaches in the long run. The "Frequently Asked Questions" section is the most comprehensive published resource on HSAs and probably would be able to handle any questions about the insurance, account or tax issues associated with health savings accounts.


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