Why nearly everyone can benefit from owning a Health Savings Account The most important reason for owning a health savings account is the ability to use "tax-free" dollars to pay for healthcare expenses. While traditional health insurance plans use "after tax" dollars to pay for medical expenses; HSA-qualified plans used tax-free dollars from your HSA. So how do you compare the two options when it's like apples and oranges? Read this educational article written by Bob Hopper, Ph.D. and published by the National Association of Health Underwriters. Learn about the "common currency" that helps you compare HSA's to traditional health plans and what he calls, HSA Magic! "The Case for HSAs: Why nearly everyone can benefit from owning a Health Savings Account" Worth Noting: In 2009, Bob wrote a very informative and easy to understand article about the power of HSAs, comparing HSAs to hybrid cars. (read more)

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Q: How to start fixing Obamacare

Recent headlines announced that three of the five largest insurance companies in America - United Healthcare, Aetna, and Humana—are dropping out of the Federal and State Exchanges. Why? They are losing lots of money. The companies remaining in the exchanges are asking and getting state approval for large premium increases as large as 60%, averaging 23% nationwide. In this editorial Bob Hopper, PhD discusses why insurance premiums continue to climb, why insurance plans are so expensive for young people and his solutions to make insurance more affordable for everyone. How to start fixing Obamacare – Published in the Santa Barbara News-Press, October 9, 2016

Q: Bob Hopper Health Insurance Guide for 2015

[fusion_text] Read this if you buy your own health insurance. Open enrollment runs through Feb. 15th If you are covered by an employer-sponsored health plan, open enrollment does not apply to you. If, however, you work for an employer who does not offer coverage, are part-time and not eligible for employer coverage, or you are self-employed, read on... This article, written by Bob Hopper, PhD. was recently published by NoozHawk, a Santa Barbara, California online news source. (January 2015) [/fusion_text]