Health Savings Accounts & PPO Networks

	Individual & Family Health Insurance
	Small Business Health Insurance

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HSAs and Health Care Networks

With an Health Savings Account (HSA)-compatible health insurance plan, you're free to use any licensed hospital, doctor or pharmacy.  In fact, HSAs were designed to maximize your freedom in making health care choices.

HSAs and PPOs Go Together

Virtually all HSA-compatible health plans are structured as Preferred Provider Organization (PPO) plans.  With PPOs, you have freedom to use any physician or hospital.  However, when you receive care from participating PPO network health care and pharmacy providers, you save money due to negotiated discounts and more favorable benefits.

Strong PPO Incentives to HSA Owner

When you're covered under a typical traditional health insurance plan with office visit co-pays and prescription co-pays, PPO discounts don't mean so much.  When you visit the doctor, you make a fixed co-pay.  When you purchase a prescription, you make a fixed co-pay.  In this transactions, PPO discounts have no impact on your out-of-pocket expense.

However, this all changes with HSAs.  Until you've satisfied your plan's high deductible, you're liable for the full cost of medically-necessary health care services.  You've got a stronger financial incentive to make prudent health care purchase decisions.

That's why, with HSAs, it's so important to choose the right PPO network:  One that includes physicians and hospitals which are accessible for you and your family members.