A health savings account (HSA) is an account that can help individuals and families save money for qualified health care expenses on a pre-tax basis. Everyone does not have access to Health savings accounts.
To qualify for an account, you must be enrolled in a high deductible health plan (HDHP). And not all high deductible health plans are health savings account HSA qualified. It has to be defined by the Internal Revenue Service to be an HDHP.
For a family to be covered, the high deductible health plan must have an annual deductible of $2,800 or more, and annual out-of-pocket expenses must not exceed $13,800. As for individual plans, this includes co-payments and deductibles but not insurance premiums.