Health Savings Associates Insurance Services Inc
Group Health Plans for Businesses
Group Health Plans for Businesses
Individual and Family Health Plans
Individual & Family Health Plans
Life Insurance
Life Insurance
Health Care Reform and Learning Center
Health Care Reform & Learning Center

Health Insurance Made Simple

Health Savings Associates (“The HSA Team”) is a full-service brokerage firm, and the proud 2-time winners of the Better Business Bureau’s Torch Award for Marketplace Ethics. In addition to being awarded for our ethical responsibility, we are known for being a trustworthy team that helps companies and families navigate through the complex and rapidly changing landscape of Health Care Reform.

You need the right partnership.  The HSA Team is solutions-oriented, highly knowledgeable, and focused on exemplary customer service. We deliver exceptional employee benefits by providing strategic solutions with features that can dramatically reduce administrative burdens. Compare your current services with ours. Are you confident you have the best partner with the capabilities, experience and resources to help you achieve optimal performance? Our award-winning services are included at no additional cost.

We’re ready for Health Care Reform.  Are you?  If you feel overwhelmed by the complicated rollout of The Affordable Care Act, you’re not alone. New concepts like “pay or play,” guaranteed insurability, and insurance exchanges will affect most Americans, whether you work for a large company, small company, are self-employed, or have your own family health insurance policy.

We represent all the top insurance carriers in the U.S. This allows us to customize a program that meets your specific needs:
  • Traditional PPO/HMO Options
  • Health Savings Account (HSA) Eligible Plans
  • Health Reimbursement Arrangements (HRA’s)
  • Ancillary Benefits: Life, Disability, Dental, Vision, STD, LTD, Accident, Long Term Care
  • Wellness Programs
  • Medicare Insurance
And as a valued client, employers have access to a dedicated customer service associate to assist with carrier-related issues.

Partner with a brokerage firm who can deliver value and help guide you through the powerful challenges faced today.


The HSA Team in the News The HSA Team in the News

Cookbook Cookbook

Upcoming Events & Updates


Health Savings Associates won the Better Business Bureau's 2015 Torch Award for Marketplace Ethics for the third consecutive time!


Our office has moved! We are now located in Suite 310 at 687 South Coast Highway 101 Encinitas, CA 92024


Attention: California Senate Bill 1446, also referred to as the "Grandmothering" bill, was recently signed into law. This means some small groups that are currently in non-ACA-compliant, non-grandfathered plans will now have the option to keep those plans for one more year. This does not require carriers to offer this option, but if your carrier does, you may be able to keep your current plan, if you wish to do so.


Attention all Kaiser small groups: Effective August 1st, 2014, all Kaiser Permanente subscriber terminations must be submitted within the month of the requested effective date; Kaiser Permanente will no longer retroactively terminate members earlier than the 1st of the month the termination request is received. For example: Beginning August 1st, 2014,  a termination effective 8/1/2014 can be submitted no later than 8/31/2014.


We would like to inform you that Covered California has created a Special Enrollment period for those covered by COBRA (the Consolidated Omnibus Budget Reconciliation Act). Under Cobra, individuals who experience a job loss are able to continue their employer sponsored coverage but are responsible for the full cost. In some cases, individuals and families can purchase more affordable coverage through Covered California during this Special Enrollment for a limited period.

People who have health coverage through COBRA will be eligible to shop for and buy coverage through Covered California from May 15 through July 15. Cobra enrollees, either Federal or Cal-Cobra, who would like to take advantage of this special-enrollment period should contact us immediately.


Tune in every Sunday at noon to listen to us discussing Health Care Reform on "Money Matters" with George Chamberlin on KOGO AM 600