Abstracts » Insurance

Five MSA sellers, five strategies

Article Abstract:

Companies selling medical savings accounts (MSA) include entrepreneurial start-ups formed for selling MSAs, health insurers and insurance industry leaders. The five primary sellers of MSAs are Medical Savings Insurance Co., Golden Rule, Time Insurance Co., Trigon Blue Cross and Blue Shield and NYLCare Health Plans Inc. Different MSA sellers use different strategies for selling MSAs. However, most of their sales strategies are targeted at the self-employed and small businesses which comprise the majority of MSA purchasers.

Marketing, Insurance, Selling

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Unintended consequences

Article Abstract:

The medical savings account (MSA) is a new type of health insurance which is affordable and specially suited for low-income families who previously had to live without health insurance. A part of the policy payments for the MSA go into a savings account and the account earns interest. MSAs provide for tax-free build of money in the account, tax-free payment of medical bills from the account and tax-free use of the money for whatever purpose after age sixty-five.

Innovations

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