California health insurance  -  Understand health insurance in California  -  California HSA and HRA health plans

Health Spending Accounts and High Deductible Plans


California health insurance ratesThere are several types of health spending accounts that help pay for health care costs with tax free money.


These accounts may be combined with high deductible health plans and are often called Consumer Driven (or Directed) Health Care, because you are managing more of your own health care cost decisions.


There's a trade-off between your out of pocket expenses and premium/tax savings.


We'll look at that in more detail.


You can always run your California HSA (HDHP) quote here:


how to quote Covered California plans

High Deductible Health Plan (HDHP)


An HDHP is California health insurance that has a high deductible.


You must pay this deductible each year, before the plan will start to pay some or all of your health care costs.


Most HDHPs pay for preventive care and check-ups before you pay your deductible at 100% if they were effective after 3/23/2010.

Health Savings Account (HSA)


An HSA is a tax-free savings account.


You can sign up for one if you have a qualified High Deductible Health Plan.


The deductible for these plans must be a certain amount for an individual and for a family.


You can use the money in your HSA to help pay this deductible and eligible out of pocket expenses


You can sign up for an HSA with a bank, credit union, insurance company, and other approved company.


Your employer may also set up a plan.


  • You or your employer may put tax-free money into your HSA.
  • Interest earned on your account is tax-free.
  • Withdrawals for health care costs are tax-free.
  • Unused funds and interest are carried over, without limit, from year to year.

There are many other rules.


We're happy to walk through question on how HSA health plans work.


A Medical Savings Accounts (MSA) is an old kind of HSA.


If you have a MSA, you can keep it or move your money into a HSA.

Health Reimbursement Account (HRA)


These are tax-free accounts to pay health care costs.


They are not insurance.


An employer can set one up and put tax-free money into the account.


You can use the money in the account to pay your deductible and co-pays.


You can access the online application for HSA health plans here:


How to apply for California obamacare

Flexible Spending Account (FSA)


These are tax-free accounts to pay health care costs.


They are not insurance.


An employer can set one up. An employee can put tax free money into the account.


You can use the money in the account to pay your deductible, co-pays, and other health care costs that your health plan does not cover.


You can also pay for benefits your health plan does not cover, such as over-the-counter medicines, eyeglasses, or dental care.


Important Pages:

Guide to Covered California Plans


You can run your California HSA Health Plan Quote here 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

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.