In order to have a Health Savings Account, you must be covered by a “qualified” High
Deductible Health Plan. By definition, under an HDHP, all charges except preventive care apply
to the high deductible. At least until the deductible is satisfied, there are no Co‐Pays.
After explaining how such a plan works at a recent open enrollment meeting, an employee
asked me why she was still being charged $35.00 for her office visits.
HSA Plans are popular, but two‐thirds of us are still covered by plans that have co‐pays.
So at a time of year when many of us are electing new coverage, it’s up to you to know how
your plan works. And, to make sure the doctor’s office has updated records.