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530.894.3276

HSAs

It’s All About Options.

Whether you’re looking for individual coverage or trying to decide which type of plan to choose for your employees, Heritage Insurance Agency can help you find a Health Insurance solution that meets the needs of everyone.

Health Savings Accounts (HSAs) are a newer alternative to Health Insurance and are meant for those who are insured under high-deductible Health Insurance plans. These plans allow individuals to set aside money to into a savings account that they can use overtime for medical expenses that are not covered under their high-deducible plan. With a standard HSA, you can do the following.

  1. Put money into your HSA (tax free)
  2. Watch your money grow (tax free)
  3. Take out money if needed for qualified medical expenses, including dental and vision (also tax free)

Advantages of HSAs

With a Health Savings Account, you get to control the amount of money that you wish to set aside for medical expenses. All deposits, growth, and withdrawals are all tax-free for your convenience, and most important, your money rolls over each year. Unlike flexible spending accounts, you don’t lose money when your policy renews. Whatever you put into your HSA keeps growing, tax-free.

Although there are limits to the amount of money in which you can deposit into your Health Savings Account each year, as well as qualifications, it’s a great way to help you have a lower premium, supply you with medical coverage if necessary, and help you save for your future medical needs.

Contact an insurance specialist at Heritage Insurance Agency today to learn more about how an HSA can benefit you.

Our Location

Chico

290 Airpark Boulevard
Chico, CA 95973
Main office: 530-894-3276

Our Providers

"We do business with Heritage Insurance Agency for the excellent, personal customer service we receive. They are there when we need them." Debbie Hobbs-Floors By Ray
Debbie Hobbs-Floors By Ray
"My experience with Heritage, formerly Wagner Insurance Agency has exceeded my very high expectations. They are courteous, knowledgeable, responsive, and genuinely interested in matching their clients with the right coverage at a very competitive price. I was attracted by their ability to meet all insurance needs under “one roof.” But when I found out they could do so while upgrading my coverage and STILL save me money, I knew I had found a special place. Kudos to Steve, Dana, and the rest of the team at Heritage for putting the customer first!" -Lawrence Fowler
Lawrence Fowler
"It isn't what we say about ourselves that matters, it's what others say about us that matters most." -Agency Principal, Steve Mora
Agency Principal - Steve Mora
"Our family farm selected Steve and his team at Heritage Insurance because of their commitment to each client. Valuing the person not the policy, Heritage Insurance works with you individually to obtain the best policy that fits your needs. They are quick to obtain the needs of each client and work diligently in doing so. Steve and Kelly are actively involved in many events directly connecting them to the community." -Theresa Schneider, A&J Family Farms, Inc.
Theresa Schneider - A&J Family Farms, Inc. Chico, CA
"Heritage Insurance Agency has not only provided our families with dependable insurance coverage but most importantly provided us with peace of mind with their knowledge and great service. Steve and his staff are attentive to all our needs for our auto, farm business, worker's comp, crop and even health insurance...they got us covered! I appreciate knowing they are always looking out for us-just like family." -Carolina Burreson, Burreson Farms
Carolina Burreson, Burreson Farms, Orland, CA
"We have been associated with Steve Mora and his family for over 30 years. Because of that personal relationship we were very comfortable in assigning to him all our insurance needs, even though separated by considerable distance. Our coverage includes auto, health, residence and several ranch properties plus an umbrella policy. In this modern age of technology our need for security and the peace of mind that goes with it has been well served by Heritage Insurance Agency." -Eve and Glenn Cherry
Eve and Glenn Cherry, Templeton, CA
Whenever you have a problem or a claim, Steve and Kelly act quickly and you will have an answer immediately. In all the years I have been with Heritage, formerly Wagner Insurance, they have been there to ensure wonderful service and that my claims are handled promptly. They always put the costumer first. I like working with Heritage Insurance because they are a versatile agency that handles all types of insurance needs from Farm, auto, commercial to health and life. - Michael Pearson P & S Farms
Michael Pearson P & S Farms
"Steve always takes the time to educate me and explain my options in a way that makes me confident that he has my best interests at heart. The personalized service you receive on the phone, or the warm welcome you experience when you walk into the office, leaves you feeling as if you are part of the family, instead of a name on a file." -Lisa Mehoff
Lisa Mehoff