[header] How to open a health savings account [title] Enroll in a high-deductible health plan. [step] Before you can open an hsa, you must first be on a high-deductible health plan. The hsa is meant to offset the costs of the high deductible, so that's why it's only available with this type of plan. 
[substeps] Your plan should have this label on it. Plus, it will likely note that you can open an hsa with it.