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

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.

Our office has moved! Our new address is 700 Second Street, Encinitas, CA 92024.

Watch Katherine Chapin, Managing Partner of Health Savings Associates discuss Health Care Reform on TV: San Diego Living Channel 6

Watch Raul Quinones interviewed by George Chamberlin for the San Diego Daily Transcript

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

Heath Savings Associates wins the Better Business Bureau’s 2013 Torch Award for Marketplace Ethics for the second time (won also in 2011)

Free Health Care Reform webinar: Guidance for small groups webinar on October 9, 2013

Free Health Care Reform webinar: Guidance for individuals and families on October 8, 2013

Our sponsorship of Couture for a Cause Sponsorship and participation in Appreciation for Women in Business event "Local Business Women for Local Charities" event on October 8th

Attend our free Health Care Reform seminar on September 28th with George Chamberlin, Executive Editor of the San Diego Daily Transcript and host of "Money Matters", our own Raul Quinones, and LPL Financial (view flyer)

The HSA Team proudly sponsors the 1st Annual Appreciation of Women in Business Awards Ceremony and Fashion Show hosted by CEO of San Diego's Better Business Bureau, Sheryl Bilbrey and San Diego's Channel 6 Rene Kohn. Tune in hear us discuss Health Care Reform on AM ESPN Radio 1700 September 25, 2013

Join Health Savings Associates for our free Health Care Reform seminar in San Diego at Liberty Station, Tuesday, September 24 at 8:30 am to have all your questions answered.

Tune in to hear us discuss Health Care Reform on The CEO Radio Show on San Diego AM1700 August 7, 2013