When you set up your HSA, we'll help you pair your money-saving Health Savings Account with a special high-deductible health insurance plan. Then, you'll use funds from your HSA account to pay initial medical expenses. After you reach the medical plan's deductible, the rest of your health care costs for the year would be covered by the medical plan.

The deductible for individual coverage must be at least $1,050. The annual out-of-pocket maximum is capped at $5,250 for individuals. Family plan deductibles start at $2,100 with out-of-pocket expenses capped at $10,500.

PLEASE NOTE: Deductibles and Out-of-Pocket Expense amounts are based on federal government guidelines starting 1/1/06.