Founded in 2006, Health Savings Associates in Encinitas's Old Encinitas district operates as a full-service benefits brokerage along Coast Highway 101. The firm designs group health, dental, vision, and life benefit packages for small and mid-size employers, layering HSA contribution strategies with the retirement income planning that Tidewater Financial provides on the wealth management side. Individual and family lines include Covered California marketplace enrollment, Medicare Advantage, Medigap supplement selection, and short-term medical policies. The brokerage navigates HSA compliance and premium deductibility issues alongside the tax-code analysis that Milikowsky Tax Law provides for business owners balancing qualified plan contributions. The most complex employer builds pair level-funded group health plans with integrated HSA-HDHP structures, voluntary gap coverage, and COBRA administration for companies with 2 to 100 eligible employees.