Yes, HSAs are compatible with many health insurance plans offered on public and private exchanges or online marketplaces including healthcare.gov.
When shopping for health insurance on an exchange, you'll see a designation if the health plan is HSA compatible somewhere near the top of the plan listing – often designated with Bronze Plans and sometimes Silver Plans. A health plan is generally considered compatible with an HSA if the annual deductible is at least $1,300 for individual coverage and $2,600 for family coverage. Out-of-pocket costs, to include deductibles and copayments, but not premiums, are limited to $6,350 for an individual and $12,700 for a family.
So if you've purchased an HSA-compatible high deductible health plan (HDHP) on a public exchange and you currently own an HSA account with your bank or credit union, you can keep and fund your account as a way to save and pay for healthcare expenses.
If you have not opened an HSA, don't miss out on the benefits of this unique tax-advantaged account.
If you qualify for reduced cost sharing*, you may not be eligible to make contributions to an HSA. So if you haven't finalized your purchase and would like to be eligible to make HSA contributions, you may purchase the plan without the cost-sharing reductions in most states excluding California.