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Additional Information about HSA Compatible California Health Insurance Plans


Selecting a HSA Compatible Insurance Plan

Insurance companies currently offer a large selection of HSA compatible health plans. Here we describe some of the HSA compatible health insurance plans currently available in California.

Keep in mind that insurance companies offer:
1) many choices;
2) many features;
3) many prices; and,
4) these variables are constantly changing.

Our advice is to select a plan that fits your current needs, rather than trying to find "the best" health savings account compatible insurance plan. You’ll drive yourself crazy and never be happy with your decision (see With So Many Choices, How Can You Select an Individual Health Insurance Plan.) Also, remember that we at Benefitscafe.com are as close as your telephone (800)746-0045 and we are happy to help you select a health plan.


Categories of Health Insurance Plans

The insurance companies offer different plans to individuals and families purchasing their own health insurance plan than they offer small, medium and large businesses purchasing health insurance for their employees. The insurance industry refers to individual and family health insurance plans as "individual health insurance" (even though dependent family members can be included on a single policy.) They refer to business plans for employees as "group health insurance."


Specific INDIVIDUAL HSA Compatible Insurance Plans

Blue Cross of California
Blue Cross of California 4500 Family EPO HSA Compatible Health Insurance Plan
Blue Cross of California Individual 3500 PPO HSA Health Insurance Plan
Blue Cross of California Family 7000 PPO HSA Health Insurance Plan

Blue Shield of California
Blue Shield of California Shield Spectrum Savings:
      Physician Office Visits: 30%/40%
      Hospital Co-payment:30%/40% In-Network
      Maternity: 30%/40%
      Deductible: $4,800
      Prescription Drugs: 30%

Health Net of California
Health Net Smart Choice HSA Family:
      Physician Office Visits: 30%
      Hospital Co-payment:30% + $250 In-Network
      Maternity: Not Covered
      Deductible: $5,000
      Prescription Drugs: 30%
      Dental and Vision Included

Health Net Smart Choice HSA Family Plus:
      Physician Office Visits: 30%
      Hospital Co-payment:30% + $250 In-Network
      Maternity: Not Covered
      Deductible: $5,000
      Prescription Drugs: 30%
      Dental and Vision Included

Nationwide Health Plans of California
Nationwide Choice Saver Plus $4,800 Family:
      Physician Office Visits: 0%
      Hospital Co-Insurance:0% In-Network
      Maternity: 0%
      Deductible: $4,800
      Prescription Drugs: 0% with Medco RX Card
Nationwide PPO Choice Saver Plus 2400/4800 Deductible

Pacificare of California
Pacificare of California Signature Options 35/80/10,000:
      Physician Office Visits: No Charge after Ded.
      Hospital Co-payment:No Charge after Ded. In-Network
      Maternity: Not Covered
      Deductible: $10,000
      Prescription Drugs: No Charge after Ded


Specific GROUP HSA Compatible Insurance Plans

Aetna
Aetna California HSA Compatible Medical Insurance Plan
MC HSA HDHP $5,000
MC HSA HDHP $3,000
MC HSA HDHP $2,100

Blue Cross of California
PPO 3500
PPO 2400
High Deductible EPO

Blue Shield of California
Spectrum Savings $2,600
Spectrum Savings $2,250
Spectrum Savings $1,250

Health Net of California
PPO 3000
PPO 2000

Nationwide Health Plans of California
Plan 6 $5,000 deductible
Plan 5 $2,500 deductible

PacAdvantage
PacAdvantage - Blue Shield 1850
PacAdvantage Paired-Choice A Health Net 2000
PacAdvantage Paired-Choice B Blue Shield 1850

Pacificare of California
SignatureOptions 70/50 $3,000 (HDHP)
SignatureOptions 100/50 $5,000 (HDHP)
SignatureOptions 80/50 $2,700 (HDHP)

 

 

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