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)