Health savings accounts (HSA) allows individuals to pay for current health expenses by using pre-tax savings for future qualified medical expenses.  Funds are deposited into a HSA are not taxed, the funds grow tax free, and the balance in the account is available on a tax-free basis to pay medical costs.  When entering into a high deductible health plan, the health plan provider will determine eligibility for a HSA or health reimbursement arrangement based on the information provided.  It is the enrollee’s responsibility to insure they are eligible and meet the applicable tax required to participate.

It is the enrollees responsibility to make sure they are not enrolled in a flexible spending account (FSA) or other type of health benefit that will disqualify them from participating in a HSA.