Our HSA-Qualified High Deductible Health Plans deliver lower premiums compared to traditional plans and feature employee-owned, tax-favored personal savings accounts that help your employees to pay for current medical expenses and save for the future medical needs.  These plans not only save you money, they also educate employees about the true cost of health care.  Employees take responsibility for most initial health care expenses until they meet their deductible.  As they use their Health Savings Accounts (HSA) to help fund their care, they gain a material incentive to stay healthy and make prudent use of the health care system.