Health Savings Account (HSA).

High Deductible Health Plans

While many types of health plans have a high deductible, it takes a certain set of features to make a plan compatible with a Health Savings Account (HSA).

Pairing a High Deductible Health Plan (HDHP) with an HSA gives your employees solid coverage, with the opportunity to set aside tax-free money for current-year health expenses and build savings.

Humana offers several HDHP plan designs, so you can choose the plan that works best for you and your employees. The plans feature low premiums and an integrated deductible for both medical and pharmacy costs.

Why offer an HDHP?

  • Flexible premiums – The high-deductible plans have lower premiums than most traditional health plans – which means potentially lower costs for you. And you can adjust employee premium levels to meet your cost-sharing objectives.
  • Simplicity – The basic deductible/coinsurance benefit design makes it easy to understand and use.
  • Health Savings Account compatibility – You have the opportunity to add a new form of tax-free savings to your employee benefits.

Humana HDHPs offer flexibility

  • A range of deductible amounts – Deductibles and out-of-pocket maximum amounts are in compliance with the IRS guidelines for HSA-compatible plans.
  • Three coinsurance options – In-network/out-of-network percentages of 80/50, 90/60, or 100/70.
  • Easy setup – In addition to offering HDHPs, Humana makes setting up HSAs easy for you and your employees. We oversee administration of both the plan and the HSA, which is managed by our banking partner, UMB.

HDHP network options

Humana's network offerings for HDHPs vary by area. Your options may include:

  • Humana/ChoiceCare ® Network is our nationwide PPO network, with more than 550,000 unique providers and approximately 3,500 hospitals; for more details, visit ChoiceCare Network
  • National POS – Open Access offers improved discounts and a network of providers that overlaps 95 percent with the national Humana/ChoiceCare Network

Get a quote for a Humana HDHP

Contact Our Sales Team

Medical Plans

Voluntary Products

Critical Illness

Critical Illness coverage offers your employees valuable peace of mind from the rising costs of specialized healthcare, which are often not covered by ordinary health insurance