In order to open and fund a health savings account, you must first have a health plan that
meets certain criteria established by law. Such plans are usually called "high-deductible
health plans” or "HSA-qualified” plans, and they:

• Generally have lower premiums – and so may be more affordable – than most other
  types of health insurance
  
  
• Must have limits on deductibles – the amount you spend before the health plan
  contributes – and out-of-pocket expenses that conform to IRS guidelines.*
  
  
• May be offered by your employer, or
  
  
• May be purchased directly from a variety of health insurance carriers

Shopping for an HSA Plan

If you are looking for a health plan for yourself or your family, you may want to start your search at one of the following resources, which offer HSAs from OptumHealth Bank.**

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.

* Other restrictions also apply. We recommend that you consult a tax, legal or financial advisor to discuss your personal circumstances. You are not eligible to open an HSA if you are covered by another health plan that is not a high-deductible health plan, unless it is permissible coverage; enrolled in Medicare, TRICARE or TRICARE for Life; have received Veterans Administration benefits within the past three months, are claimed as a dependent on someone else’s tax return; or have a spouse with a health care flexible spending account.

** Links are provided for convenience and informational purposes only. Their presence on this Web site does not imply that their content, advertisers or sponsors are endorsed or monitored by OptumHealth Bank. You will leave OptumHealth Bank’s site if you select one of these links to obtain quotes on health insurance. OptumHealth Bank is not responsible for the contents of these or of any other external sites linked from this Web site.