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High-Deductible Plans

HSA-Compatible High-Deductible Health Plans

An HSA-compatible high-deductible health plan (HDHP) is your health coverage with Western Health Advantage. This plan provides you and your family with health insurance at lower monthly premiums.

An HSA is the financial component (the account that holds your funds). It provides you a tax-free way to save and pay for qualified medical expenses, such as doctor visits, prescription drugs and other medical services and supplies.

A traditional health care plan has high monthly premiums but low to no deductible. An HDHP works the opposite way, providing the opportunity to use this savings to fund your HSA. The advantage is when you spend less than your HSA savings, that money is yours to keep and invest in the future.

Note: If looking for a HealthEquity Plan, please click here

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Watch HealthEquity's "Winning with an HSA" to learn how to maximize your HSA:

Advantages of an HSA-Compatible HDHP4

Health Care Savings Financial Benefits
Pay a lower monthly health insurance premium

HSA contributions are not taxed*

Control the money you spend on health care services

You earn tax-free* interest on HSA balances

Once you reach your out-of-pocket maximum for the year, WHA will pay 100% of covered services

HSA funds used for qualified medical expenses are not taxed*

Take advantage of no-cost preventive care services3, such as annual well visits, health screenings and immunizations.

You own your HSA, even if you change jobs or retire

*Tax savings are at the federal level only. Please consult your tax advisor for more information. If you choose to use your HSA funds for non-qualified medical expenses, these withdrawals will be subject to taxes and penalties5.

Frequently Asked Questions
Who can contribute to an HSA?

To be eligible to open an HSA you must meet the following requirements.

If you are currently participating in the General-Purpose Medical FSA, you must have a zero balance on December 31 of any calendar year in order to be HSA-eligible on January 1 of the following calendar year. That means that claims must be incurred and filed in time to be reimbursed with the last FSA check process of the year that will occur on December 31 of the initial year.

As of the effective date:

  • You must be covered by an HSA-qualified HDHP and must not be covered by other health insurance that is not an HDHP. Certain types of insurance (e.g., dental, vision, disability and long-term care) are not considered "health insurance" and will not jeopardize an individual's eligibility for an HSA.

  • You cannot be covered by another health plan, including Medicare.

  • You cannot have an HSA if a spouse's FSA or HRA can pay for any medical expenses before the HDHP deductible is met.

  • You cannot be claimed as a dependent on another individual's tax return.

  • You must be 18 years of age or older.

  • You are not a member enrolled through Covered California.

What’s the difference between my HSA and my HSA-compatible high-deductible health care plan?

Even though your HSA and your HSA-compatible high-deductible health care plan are related, they are in fact two different services offered by two different service providers. Your HSA is the account that holds your HSA funds. Your HSA-compatible high-deductible plan is your health coverage under Western Health Advantage.

What are deductibles, copayments and the annual out-of-pocket (OOP) maximum
  • Deductible: Your health care plan has a deductible. The deductible is the amount you pay each year for covered medical and prescription services and supplies before WHA becomes responsible for expenses.
  • Copayments: Your plan may also require you to pay copayments after you meet your annual deductible. These are smaller, set amounts for covered services.
  • OOP Maximum:Once your deductible and copayment costs reach your annual OOP maximum amount, you are done. WHA will pay 100 percent for your covered services for the remainder of the calendar year.
How do I know how much my services are going to cost?

Western Health Advantage partners with leading service providers to ensure that our members get the best rates available. This means that you’ll enjoy consistent savings on your health care services and supplies. 

Use our medical service cost estimator (Rx pricing coming soon) to see what is the estimated cost of a specific service you intend to receive.

Will my prescriptions count toward my annual deductible/OOP maximum?

Yes, payments you make for prescriptions covered under your plan will apply to your deductible and OOP maximum. It’s important to note that covered prescriptions must be obtained from a participating provider and must be run through WHA’s contracted pharmacy benefit manager in order to be applied. Prescriptions obtained from a non-participating provider are limited to urgent or emergent situations.

What’s going to happen when I need care?

Be sure to present your WHA member ID card to your provider. If a copayment is due at the time of service, you can use your HSA debit card to pay from funds you’ve deposited in your account. Keep all of your receipts in a safe place.


In most cases, you will be billed for covered office visits, labs and other health care services. These bills are qualified medical expenses and can be paid out of your HSA.

We are currently enhancing the online renewal system. Please check back soon. For immediate assistance, contact a WHA Individual Plan Specialist at 888.563.2250 or individualsales@westernhealth.com.

This SBC is currently unavailable online.
For assistance, please contact WHA Sales as described below.

Call 888.563.2250 or email individualsales@westernhealth.com.

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