HMA® Account Balance Growth Explanation

The Health Matching Account (HMA®) is a medical savings account designed exclusively to pay for most of your and your family’s out-of-pocket, medical expenses including your dental and vision needs as well as  copays, deductibles and coinsurance that are not covered by your major-medical insurance plan or Medicare. In addition, the HMA® can also be used to pay for elective procedures (with MD surgeons only) such as plastic surgery, lasik and fertility procedures that are not traditionally covered by health insurance or Medicare.

By choosing an HMA®, individuals and families now have the opportunity to fund a superior medical savings account that will permit them to increase their health insurance deductibles and potentially lower their out-of-pocket premiums over time as their account continues to build. The HMA® creates more health care purchasing power and freedom than ever before and leads to additional health care savings for individuals and families by covering a larger portion of their out-of-pocket, medical expenses than any other medical savings account available.

You can choose from our 11 different monthly, contribution options ranging from as low as $40 per month to as much as $725 per month (not including maintenance fees) that will be able to fit into any family’s monthly budget based on their specific, ongoing, health needs. Once you have selected the monthly payment plan of your choosing, the HMA® account crediting that you receive each month that is added to your monthly contribution will continue to grow until you are receiving access to up to $2 or more in medical benefits for every $1 that you pay into your HMA® plan on a monthly basis as the program progresses.

Each of the 11 HMA® plans that are available for you are all designed to grow to a target account balance of your choosing over 35 months ranging anywhere from as low as $2,500 for the HMA® 2500 plan to as much as $60,000 if you opt for the HMA® 60000 plan. The monthly crediting on your HMA® contribution is guaranteed to increase each and every month when you are not using your benefits to pay for medical costs, which rewards you for good health. These increasing, monthly benefits you will receive is how, over a 35-month span, you can potentially experience a doubling of the medical benefits inside your HMA® account balance compared to what you  cumulatively pay into your plan on a monthly basis over that time period.

The HMA® will match what you contribute each month with additional medical benefits that will approach three and sometimes four times what you pay in on a monthly basis as you approach your target account balance. The HMA® monthly account crediting is so strong in fact that even by using your account to pay for some of your out-of-pocket, medical expenses along the way by swiping your HMA® Medical Reimbursement Visa® Prepaid Card at your medical providers, you will still be saving significantly on all of your out-of-pocket, medical expenses because of how quickly you will be able to build your account balance back up after using it.

This sample illustration above demonstrates how the HMA® 10000 account balance with a $140 per month contribution grows over a 35-month period. Over this 35-month period, the crediting awarded to the participant’s monthly contribution is so substantial that $4,900 of contribution can create a $10,000 HMA® account balance for you to use to pay for most of your and your family’s out-of-pocket, medical costs that are not covered by health insurance or Medicare (this crediting scenario assumes no prior usage of the account before 35 months).

This illustration also demonstrates how quickly your HMA® can build back up after a medical expense occurs. As you can see, even with the $4,600 medical expense incurred, the HMA® can recoup that $4,600 in medical benefits and grow right back to its $10,000 target account balance for only $1,540 of additional contribution over 11 months (assuming no subsequent usage of the card as the account grows back). Once you have reached your target, account balance cap, which in this case is $10,000, you are no longer responsible for making your full, monthly, HMA® account balance contribution (and only maintenance fees are required) until you use your HMA® account to pay for a subsequent medical expense.


The HMA® is not health insurance.
The HMA® Medical Reimbursement Visa® Prepaid Card is issued pursuant to a license from the Visa® U.S.A Inc.
Card may not be used everywhere Visa® debit cards are accepted.
See Cardholder Agreement for list of eligible goods, services and merchants.