Health Savings Accounts, or HSAs, are savings accounts that are combined with a high-deductible health plan. Because high-deductible plans generally cost less than low-deductible plans, HSAs are a good option for employers who cannot afford a comprehensive (low-deductible) health plan. These savings accounts are controlled by the covered employee and are intended to help pay small and routine health care expenses. Both employers and employees may contribute to HSAs.
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