Health Matching Account

The Health Savings Account Reinvented

Why You Need the HMA To Maximize Your Health Insurance

There are numerous and sometimes very hard to understand additional, out-of-pocket, costs associated with your health insurance that you will be forced to pay aside from your monthly premiums. These include not only paying for your deductibles but also coinsurance, copays and annual, out-of-pocket maximums associated with your plan.

The Health Matching Account (HMA) is the best, medical savings account option for you to turn to in order to lower all of these out-of-pocket obligations because of its significant, account crediting guarantees and features that will credit your account up to $2 or more for every $1 that you contribute into your account.

HMA Illustration

What Is A Health Matching Account

The Health Matching Account (HMA) is a voluntary, medical benefit savings account  owned by the participating employee or family. The HMA is a non-qualified account funded by the participant with post-tax dollars. The HMA Medical Benefits Account is exclusively offered by Health Matching Account Services, Inc. and pre-funds an individual’s (or family’s) out-of-pocket, medical costs into a medical savings account that is awarded a monthly, medical benefit crediting on their contribution, which grows each month.

The benefits that build in each HMA account balance are designed to pay for an individual or family out-of-pocket medical costs including copays and deductibles in order for participants to save money and complement high deductible, major-medical plans. The participant’s HMA account balance increases each and every month as the HMA account crediting continues to build.


This sample illustration demonstrates how an individual or family’s HMA account balance would grow over a three-year period. The rapid growth of the HMA account balance easily exceeds that of an HSA (Health Savings Account) or any other medical savings account. Over this three-year horizon, the crediting awarded to the participant’s monthly contribution is so strong that $4,900 of contribution can create a $10,000 HMA account balance in this example for the participant or family to use for their medical costs (assuming no prior medical claims). Once participants reach their target, account balance caps, which in this case is $10,000, they are no longer responsible for making a full, monthly HMA account balance contribution (and only maintenance fees are required) until they use their HMA Medical Benefits Account once again to pay for a medical expense.


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 lower their out-of-pocket premiums and medical expenses. In addition, HMA accounts can also be used to pay for elective procedures such as plastic surgery, lasik and fertility that are not traditionally covered by health insurance as well as long-term care and home health expenses. The HMA Medical Benefits Account creates 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.


HMA Contribution Chart

How Does a Health Matching Account Work

The HMA Medical Benefits Visa® Prepaid Card will be swiped at the point-of-service to pay for nearly all our cardholders’ medical services including copays and deductibles up to their HMA account balance at the time of the claim and can be used by either individuals or families. The HMA Medical Benefits Account  also comes included with both unlimited telemedicine services and a proprietary, PBM (Pharmacy Benefits Manager) program that helps our customers secure much deeper savings than a traditional, pharmacy discount card could ever allow for. In addition, HMA accounts also pay for elective procedures that are not covered by health insurance such as plastic surgery, lasik and fertility as well as home health and long-term care expenses among others.

Ready to Enroll?

No matter what type of Health Plan You have you can enroll today!  However we recommend you do have a conversation with us to ensure complete understanding.

Want to Learn More?

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