HSA's An HSA (Health Savings Account) is used in conjunction with a qualified high deductible health plan or consumer-driven health plan (HDHP or CDHP).  These plans will still cover someones annual physical exams but everything else is subject to meeting the deductible.  The minimum deductible for an HSA qualified health plan is currently set at $1350/annually but most of the options from carriers are typically $5,000+/year deductibles. These accounts are set up with a quali