Health Savings Accounts / Flexible Spending Accounts and High Deductible Health Plans

Health savings accounts and why they are important to you and your family.
JACKSONVILLE, Fla. - March 4, 2021 - PRLog -- Health Savings Accounts / Flexible Spending Accounts and High Deductible Health Plans

This will be a continuation of the general overview post concerning the basics of health insurance (

The vast majority of our patients do not have or know what Health Savings Accounts (HSA), or Flexible Spending Accounts (FSA) are. So, in this post I will do my best to help clarify what these accounts are, why you need one and you do need one, like now. No, really, you need one, now… And how easy they are to set up and maintain year after year.

Let's start by talking about taxes, yes taxes. You know there are only 2 things in life that are definite, death and taxes. Yes, those taxes. Those of us that are blessed enough to have gainful employment have an income. An earned income if you will. This is subject to United States tax law. I will not get into international tax laws as that is just ridiculous ;) So, as a law-abiding citizen you file a tax return at the end of the fiscal year and the government removes money from your possession. This removal process can be on a check by check / payday by payday basis or quarterly or yearly depending on your situation. Either way you will be parting with your hard-earned cash. After the removal process you will have post-tax dollars, before the removal process those dollars are referred to as pre-tax dollars. If you are smart, which you are. Come on, give yourself some credit. I mean I'm sure your mother always told you how smart you are. Well, she meant it. So, since you are smart you need to limit, or reduce your taxable income. Another way of putting it is reducing your pre-tax dollars. There are thousands of ways to accomplish this and a good CPA will gladly do it for you. Please get a CPA, they will only save you money.

Ok, now back to the HSA / FSA subject. These accounts are funded by pre-tax dollars and effectively lessen / reduce your taxable income. This is why you need one now!

For more information please visit

Thank you

Dr. Adam Zeccardi DC, FIAMA

North Florida Spine and Injury Center

7855 Argyle Forest Blvd., Suite 905
Jacksonville FL, 32244

P: 904 541-6144 (tel:904)
F: 904 541-6154

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