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What is a Health Savings Account (HSA)?


A health savings account (HSA) combines high deductible health insurance with a tax-favored savings account. Money in the savings account can help pay the deductible. Once the deductible is met, the insurance starts paying. Money left in the savings account earns interest and is yours to keep.

Health Savings Account Plan Chart

Health Savings Account Advantages:

Why High Deductible Health Insurance? To get the benefits of an HSA, the law requires that the savings account be combined with a qualified high deductible health insurance plan which can cost less than other health insurance plans. In 2014, the minimum annual deductible of a qualified HSA plan for an individual is $1,250 and $2,500 for a family.
A health savings account (HSA) is a tax-favored savings account created for the purpose of paying medical expenses.