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I've been looking into MSA's for several months, and have been frustrated by the limitations that have been mentioned. The companies I looked at that offer MSA's(FlexMSA and Wells Fargo)offered very low interest (I think around 2%) on the savings accounts, and the health insurance policies they offered seemed to have a lot of catches--specifically co-pays *after* the high deductible was met.One good point with both of these places is that you can invest savings in excess of around %$2000--but through brokers they choose.

I already have a high deductible insurance policy, so it p***es me off that the places I already do business with --Trigon Blue Cross and Blue Shield, and Virginia Credit Union--were not interested in administering such an arrangement.

Anyway--end of long gripe. Today I found on the internet a promising source. Called Golden Rule Insurance Company. They offer a high deductible insurance policy with no co-pay. Their Trustee is Northern Trust Inc in Chicago, but they have no problem with customers using a trustee of their own choosing. Also, your savings is put into a money market account and earns 5% interest. Unlike FlexMSA and Wells Fargo, they have not made an arrangement for investing, but the agent I spoke to said they were looking into it.

This company has been offering MSA's since 1993, i.e. before there was a tax advantage. Does anyone know anything about this insurance company?

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