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Qualifying Plans: Only certain plans are eligible to be used in conjunction with health savings accounts. A high-deductible health insurance plan is a health insurance plan with a minimum deductible of $1,300 for self-only coverage and $2,600 for family coverage.
The drawback with that is that with HSA plans, you have to meet a very high deductible before you receive any break in the cost of medical care. We will pay 100% of the cost of a dr. visit until we meet a $3,000 deductible on my husbands insurance and a $2500 deductible on my insurance. We are all relatively healthy (thank God) and usually see the doctor for colds, flu, sinus infections, etc so we don't expect to meet the deductible. Thanks mamas! Sorry to be so long winded.