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How Do HSA-Eligible Health Plans and Traditional Health Plans Compare?

HSA-eligible health plans offer many of the same benefits of traditional individual and family health insurance plans, but are specifically designed to be used in conjunction with Health Savings Accounts.

  Typical Group Health Insurance Plan BusinessHSA Program
Who is the policyholder? Employer Employee
Premiums paid by Employer can subsidize Employee
Plan administered by Employer Insurance company direct to Employee
Can you be declined for medical reasons? No Yes
Major medical and Rx coverage Yes Yes
Deductible Wide range of choices Limited to high deductibles
Monthly premiums tax deductible? Yes, for employer No
HSA deposits tax-deductible? Not applicable Yes

Based on a review of products available on the eHealthInsurance.com website as of 6/1/2008

  
 
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