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Health Care Experts

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Consumer Driven Health Care Resources

  • About CDHC
  • Types of Health Accounts
  • Brief History of Health Savings Accounts (HSA)
  • Related Health Care Links
  • Health Care Glossary
  • Find an HSA Provider

Health Care FAQs

General Consumer Directed Health Care (CDHC) FAQs

  • What is consumer driven health care (CDHC)?
  • Why is CDHC better than alternative forms of Health care?
  • What is a "high‐deductible health plan" (HDHP)?

Types of Health Account FAQs

  • What is an HSA?
  • What is an HRA?
  • What is an FSA?
  • What is an MSA?

General Health Savings Account (HSA) FAQs

  • What happens to the funds in my HSA if I die?
  • What happens to my HSA if I leave my health plan or job?
  • What is an HSA trustee or custodian?
  • What insurers are offering qualified high‐deductible health plans that can be used with a health
    savings account (HSA)?

HSA Eligibility FAQs

  • Who can have an HSA?
  • Is it possible to be enrolled in Medicare and be eligible for an HSA?

HSA Contribution FAQs

  • Who can contribute to an HSA?
  • How do I contribute to an HSA?
  • Is there a limit on how much can be contributed to an HSA and written off on taxes each year?
  • Can couples establish a "joint" account and both make contributions to the account, including
    "catch‐up" contributions?

HSA Expense FAQs

  • What are qualified expenses that may be paid from an HSA?
  • Can my HSA be used to pay premiums?
  • Are preventive care benefits permitted?
  • What happens if my medical expenses exceed the amount of my deductible?
  • What if my medical expenses do not reach my deductible? What happens to the money in my
    savings account that I don't need to spend on medical bills?
  • What about taxes on the money in the account not used for medical expenses?


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