California health insurance  -  Individual California health plans  -  Current HSA individual health plans

Current HSA plans for California individual health insurance


HSA's have now been on the market for the better part of a decade and see no real threat of disappearing unless the underlying health plans become uncompetitive.


Let's look at which HSA eligible plans make the most sense on the individual/family market with a quick update on why HSA's can provide a benefit for individuals and families in California.


First, we have HSA eligible plans available from multiple carriers in California.


Almost all the major carriers HSA plans now.


On and off exchange!


The PPO designation is important because although the plan "type" in the quote engine will show as HSA, they do participate in the PPO network of providers which is is important.


The HSA benefits are now fairly similar since preventative benefits are covered at 100% on all the plans and by definition, an HSA plan is a straight high deductible plan.


There are differences, however in the true max out of pocket for the various plans both in terms of whether there is a coinsurance percentage whether the deductible/max is per person or cumulative.


We'll discuss these various points.


You can always run your individual HSA health plan quote here:


how to quote Covered California plans

ACA and Health Savings Accounts


Luckily, the HSA plans made the cut with the new ACA law. 


You'll find them in the Bronze level of plans for individuals and families.


There are also some Silver Group HSA plans available.


The core functioning is the same from before the ACA law went into effect.

Best values on the California HSA market


The $6K deductible plans are generally the best priced plan on the market for HSA plans although we miss just 12-18 months ago when we had the $3500 HSA plan priced at almost half of the current options.


Those days are gone unfortunately.


Now, there may be some options comparable are better priced on the straight PPO market (such as the Bronze plans) but this isn't an apples to apples comparison.


They also do not offer the HSA tax benefit which we can generally estimate at 30% of the amount you plan to fund separately in your HSA account.


You can access the online application here:


How to apply for California obamacare


For example, if as a family you fund $6K, that's $1800 in real after tax money if you qualify.


Dividing that by 12, it's the equivalent of $150 monthly we can effectively reduce from HSA premium amounts if we full fund.


That's a lot of money and is the true underlying reason to get an HSA California health plan.


It used to be that correspondent PPO plans were priced so much higher than HSA plans that the HSA plans were hard to beat regardless of account funding.


These days, the tax benefit needs to be had or you need to appreciate the lower max out of pocket (since deductible and max are the same number on the $4K and $6K Shield Savings plan).



We would be happy to walk through these options against other health plans for your particular situation.


You can run your California Health Savings Account Plan Quote Online to view rates and plans side by side from the major carriers...Free.


Again, there is absolutely no cost to you for our services.  Call 800-320-6269 Today!

  Follow on social media

Click to Verify - This site has chosen an SSL Certificate to improve Web site security Click to Verify - This site has chosen an SSL Certificate to improve Web site security
Covered Ca tax credit
Call 800-320-6269
Our Services are FREE to You!

Call to Enroll over the Phone in 15 Minutes

enroll in Covered Ca Exchange coverage

Call 800-320-6269

Anthem Blue Cross California
Blue Shield of California under Covered California
Kaiser of California
Molina health through Covered California
Sharp health plan in Covered California
and more
Thousands of Californians
Hundreds of California Companies
Thousands of Californians
Hundreds of California Companies

from SC

"My sincere thanks for making a miracle happen- 2014 health insurance !! Many thanks for your expertise and advice yesterday !!"

from SD

"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."

from KV

"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."

from EK

"I thank you very much for the time that you have invested in handling everything

from SR

"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."

from VH

"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"

from SA

"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"

from LM

"You are my new best friend. A HUGE thank you again.

Find out what customers are saying about our services

20 years of experience in the California health insurance market has taught us one thing...Competent and experienced guidance is Invaluable

We can quickly (very important) size up your health insurance needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.

We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and tax credits.

Call will be Pleasantly Surprised.  800-320-6269

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit


Our Services are FREE to You is a Goodacre Insurance Services Website

This website is owned and operated by Goodacre Insurance Services, which is solely responsible for its content. This site is not maintained by or associated with Covered California, and Covered California bears no responsibility for its content. The email address and phone numbers that appear throughout the site belong to Goodacre Insurance Services, and cannot be used to contact Covered California.