To help consumers who want to lower their health care costs decide if a health savings account (HSA) is the best choice for them, www.HSAcenter.com, Indianapolis, has introduced a number of easy-to-use, interactive tools that include a Health Plan Comparison Calculator, a Potential Tax Savings Estimator, and a Future Value Calculator.

Other new additions to the HSAcenter.com Web site are 2008 HSA deductibles, contribution limits and out-of-pocket maximums, as well as an audio clip with answers to the five most frequently asked questions about HSAs.

HSAcenter.com features straightforward information about health savings accounts in multiple formats including text, video, flash and audio. The Web site was launched six months ago by UnitedHealthcare’s Golden Rule Insurance Company, an HSA pioneer and leader in the individual and family health insurance market, to help consumers understand how HSAs work.

Golden Rule’s experience and expertise in the consumer-driven health care market goes back more than a dozen years when it introduced the first medical savings account (MSA) in the early 1990s. Today, nearly 40% of Golden Rule customers are covered by HSA plans, and these customers have accumulated more than $175 million in their savings accounts for current and future health care spending, including retirement.

“We believe that the more consumers learn about HSAs and how they work, the more they will understand the value of HSAs and how they make health insurance more affordable. Last year alone, one-third of the consumers purchasing HSA plans from Golden Rule were previously uninsured,” said Richard A. Collins, CEO of Golden Rule and president of UnitedHealthcare’s individual line of business.

“Six million Americans today are covered by health savings account plans, but millions more could benefit from the lower costs, tax advantages, and long-term savings potential that HSAs offer,” Collins said.

Tom Rogala, an independent insurance broker based in Northville, Mich., who offers health plans in 42 states through his own Custom Benefit Solutions Web site, also uses HSAcenter.com to help educate his clients. “It’s a comprehensive place that I can send busy people to learn more about health savings accounts at their convenience. Once my clients see the benefits of HSAs, the plans just make sense to them,” said Rogala.

“HSA health plans are often one-half the cost of traditional health insurance, and then there’s the tax savings. With these savings, more than 90% of my clients are funding their HSAs for future health care and retirement,” Rogala said.