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What is a Health Savings Account (HSA)?

An HSA is a tax-advantaged savings account. It is owned by the individual and contributions to the account are used to pay for current and future medical expenses. HSAs are used in conjunction with a "High Deductible Health Plan" (HDHP)—and FHCW offers you two HSA-compatible plans. The money deposited, as well as the earnings on the account, are tax-deferred. The funds can be withdrawn to cover qualified medical expenses, and unused balances roll forward from year to year. HSAs provide the following:

· HSAs can be funded by the employer, employee or a combination of both within the same calendar year.

· HSA accounts are your property and you can use them to pay for qualified medical expenses no matter where you work, as long as you have an HDHP insurance plan.

If you purchase a FHCW HSA-compatible plan you are not required to establish an HSA, though we encourage you to do so.

Can I use any financial institution
to set up my Health Savings Account?

How are wellness benefits
handled under an HSA qualified plan?

We offer first dollar preventive care coverage under all of our benefit plans including our HSA compatible plans.
Benefit Summary for POS Delta Dental Application Form Membership Application
Benefit Summary for $2500 HSA FHCW Dental Acknowledgement Form Employee Census Form
Benefit Summary for $5000 HSA Application for FHCW Employer Application Form
Benefit Summary for Delta Dental Health Questionnaire  

Farmers' Health Cooperative of Wisconsin is a Co-op Care initiative brought to you by Cooperative Network. FHCW health insurance plans will be managed by Agri-Services Agency which offers coverage through Anthem. We are grateful for support from the UW School of Medicine and Public Health’s Partnership Fund for a Healthy Future; AgStar Financial Services; USDA Rural Development; and the Wisconsin Department of Agriculture, Trade and Consumer Protection.

© 2013 Farmers' Health Cooperative of Wisconsin