High-deductible health plans that can be paired with HSAs meet IRS guidelines for annual deductible and maximum out-of pocket costs. Generally, premiums for high-deductible plans are lower than plans with smaller deductibles.

How High-Deductible Health Plans Work
Most employers who offer high-deductible health plans include 100 percent coverage for preventive care. You pay out-of-pocket for other health care costs until you've spent the amount of the deductible. After that, the plan begins to pay a portion for your care.

The amount the plan pays and how much you pay depends on the details of your plan. For example, the plan may pay 80 percent of covered costs, while you'll be responsible for 20 percent.

You can save money in your HSA to cover those expenses. You could add a limited-purpose FSA to help with dental and vision expenses.

Combining a high-deductible health plan with a health account is commonly referred to as a consumer-directed health plan. If you’re purchasing insurance on your own, be sure to read carefully the plan’s terms so you understand the coverage and your own financial responsibility.

Consumer-Directed Health Care and You
A relatively new option for health insurance, a consumer-directed health plan can help you make sensible decisions about health care costs. For example, you will likely want to research health care providers who provide quality care at a reasonable cost. And, you may want to talk to your doctor about lower-cost alternatives for prescription drugs.

Want to shop for a high-deductible health plan? These companies offer OptumHealth Bank HSAs:

HSA-qualified health plans for individuals and families from UnitedHealthcare.	Compare a broad selection of HSA-eligible health plans and buy online.	Affordable, flexible HSA-qualified plans for individuals and families in Minnesota.
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