Health Savings Account (HSA)

BlueEdge^SM HSA Health Plan

Is an HSA 'the right fit' for you?

Our BlueEdge^SM Plans fit the needs of a wide range of customers. In general, you can expect BlueEdge Individual HSA and BlueEdge Individual HSA 5000 high deductible health plans to appeal to individuals and families who like to take control of their health care decisions - e.g., if you:

want the ability to decide what doctors to see, when to see them and how much to spend.
want affordable premiums and a wide
range of benefits.
don't expect to have a lot of medical expenses.
have enough money saved just in case you have to pay unexpected out-of-pocket health care expenses.
want control over your health care choices.

HSAs are 'the right fit' for:

Early retirees who are able to roll over their HSA and use tax-advantaged dollars to pay for health care expenses in their retirement. If they are between the ages of 55 and 64, they can make catch-up contributions to their HSA.
Self-employed individuals who welcome affordable, reliable benefits and the ability to save and invest with their HSA. You may also be able to deduct your premiums.
Professionals looking for tax-advantage savings channels that can be used for qualified medical expenses.
Healthy individuals and families who appreciate the affordability and who are not as likely to have huge medical expenses associated with major illnesses; catastrophic coverage is especially important.
Small employers (less than 10 employees) looking for a way to help their employees affordably self-insure.
Working uninsured seeking lower premiums, reliable benefits and the "ownership" of their HSA; catastrophic coverage is especially important to these individuals.

Our BlueEdge^SM Individual HSA or BlueEdge^SM Individual HSA 5000 plans are priced among the lowest of our major medical health insurance plans, while still covering the same health care services most of our competitors cover.