High-deductible health plan with HSAHelping you save for health care, and your future
Coverage that helps take care of the whole you, physically and financially. Learn why a high-deductible health plan (HDHP) paired with an HSA may be right for you.
3 reasons to choose an HSA
Pay medical costs. You get help to pay for eligible health care expenses your health plan doesn’t cover. Or for out-of-pocket costs like copays, coinsurance and deductibles.
Lower your taxes. The money you put into an HSA is tax-free. That lowers your income that is taxed. And the money you take out to pay for eligible health care expenses is never taxed.
Save for the future. The money in your HSA rolls over year after year. It earns interest. And it’s always yours to save for retirement or wherever your journey takes you.
Text transcript for “Aetna HDHP/HSA Education Video” 1:30 second video
Background music: Light music plays in background during the entire video.
Media description (scene 1): Someone at computer, reviewing plan options.
Narration: We know that enrolling in health insurance can be challenging.
Media description (scene 2): Close-up of someone reviewing plan info on phone.
Narration: And many people don’t know where to start. At Aetna, we want you to feel great about your health and coverage.
Media description (scene 3): Dollar bill added into a jar with other dollar bills.
Narration: That's why we're here to help you plan and save for your health care.
Media description (scene 4): Couple deciding plan options.
Narration: Choosing the right health plan can be easier than you might think.
On-screen text: HDHP
High-deductible health plan
Narration: Let’s begin with a high-deductible health plan. HDHP for short. A high-deductible health plan comes with a lower premium, meaning less money will come out of your paycheck for coverage.
Media description (scene 5): Parent and child at computer, parent exploring plan options.
Narration: So when you select an HDHP, you’re already saving.
On-screen text: HDHP+HSA
Narration: A high-deductible health plan can be combined with a health savings account (HSA). And when they are paired together, you can save even more.
On-screen graphic: Money going into wallet.
Narration: You can contribute money from each paycheck into your HSA.
On-screen graphic: Computer screen with lines stacking up to show savings. The words “tax-free” appear.
Narration: When you contribute to your HSA with the money you save from your lower premiums, you give yourself tax-free dollars.
On-screen graphic: Bar graph with a dollar sign to show money earned from one year to the next.
Narration: That’s right — this is the only tax-free financial account where you can gain interest and save money while spending on qualified health expenses.
On-screen graphic: A dollar sign weighs down one side of a scale, then an hourglass weighs down the other side. Next, the dollar sign and hourglass balance.
Narration: Funds in your account roll over from year to year. And that’s how an HSA can help you build a better financial future.
On-screen graphic: Coins and dollar bills drop into a savings box.
Narration: As you watch your savings grow, you’ll worry less about paying for your health in the future, something your 401(k) will thank you for.
On-screen graphic: Chart with arrow going up to show rising savings over time.
Narration: Your money will grow for future financial stability, which means tax advantages, less stress and better well-being.
Media description (scene 6): Someone with cast on foot on couch, using computer.
Narration: So if life throws you a curveball…
Media description (scene 7): Someone smiling at camera, reassured.
Narration: … your HDHP and HSA will help keep you covered.
Media description (scene 8): Older couple sitting on porch in rocking chairs.
Narration: Your health plan should take care of the whole you, both physically and financially.
Media description (scene 9): Parent holds baby followed by someone smiling, confident in their plan choice.
Narration: By choosing an Aetna HDHP and an HSA, you’re making the right choice for your personal well-being.
On-screen text: Aetna
There may be fees associated with a Health Savings Account (HSA). These are the same types of fees you pay for checking transactions. Please see the HSA fee schedule in your HSA enrollment materials for more information.
Investment services are independently offered through a third-party financial institution. By transferring funds into an HSA investment account, you can potentially benefit from capital appreciation in the value of mutual fund holdings. However, you will also be exposed to a number of risks, including the loss of principal, and you should always read the prospectuses for the mutual funds you intend on purchasing to familiarize yourself with these risks.
The HSA investment account is an optional, self-directed service. We do not provide investment advice for HSA investment account participants. You are solely responsible for any investment account decisions you make. Mutal funds and brokerage investment are not FDIC-insured and are subject to investment risk, including fluctuations in value and possible loss of the principal amount invested. The prospectus describes the funds’ investment objectives and strategies, their fees and expenses, and the risks inherent to investing in each fund. Investors should always read the prospectus carefully before making any investment decision. System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance and other factors.
HSAs are currently not available to HMO members in California and Illinois.
HSAs are currently not available to HMO members in Illinois and Small Group members in Florida.
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Legal notices
Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna).
Health benefits and health insurance plans contain exclusions and limitations.
There may be fees associated with a health savings account (HSA). These are similar types of fees you may pay for checking account transactions. Check the HSA fee schedule in your HSA enrollment materials for more information.
Investment services are independently offered through a third-party financial institution. By transferring funds into an HSA investment account, you can potentially benefit from capital appreciation in the value of mutual fund holdings. However, you will also be exposed to several risks, including the loss of principal. You should always read the prospectuses for the mutual funds you intend on purchasing to familiarize yourself with these risks.
The HSA investment account is an optional, self-directed service. We do not provide investment advice for HSA investment account participants. You are solely responsible for any investment account decisions you make. Mutual funds and brokerage investments are not FDIC-insured and are subject to investment risk, including fluctuations in value and the possible loss of the principal amount invested. The prospectus describes the funds’ investment objectives and strategies, their fees and expenses, and the risks inherent to investing in each fund. Investors should always read the prospectus carefully before making any investment decision. System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance and other factors.
HSAs are currently not available to HMO members in California and Illinois.
HSAs are currently not available to HMO members in Illinois and Small Group members in Florida.