Health Savings Account (HSA) health insurance works by providing individuals with a tax-advantaged way to save and pay for qualified medical expenses. Here's how it works: 1. Eligibility: To open an HSA, you must have a high-deductible health plan (HDHP) and not be enrolled in Medicare. 2. Contributions: You or your employer can contribute funds to your HSA up to the annual contribution limit set by the IRS. 3. Tax Benefits: Contributions to an HSA are tax-deductible, grow tax-free, and withdrawals for qualified medical expenses are also tax-free. 4. Savings: You can use the funds in your HSA to pay for a wide range of medical expenses, including deductibles, copayments, and certain medical services not covered by your insurance. 5. Rollover: HSA funds roll over year to year, so you can build a significant balance over time for future healthcare needs. 6. Portability: Your HSA is yours to keep, even if you change jobs or health plans. In summary, HSA health insurance allows you to save and use pre-tax dollars for medical expenses, providing flexibility and long-term savings benefits.

The Health Savings Account (HSA) health insurance model empowers individuals to take charge of their healthcare expenses while enjoying tax advantages. It all begins with eligibility: you need a high-deductible health plan (HDHP) and cannot be enrolled in Medicare.