What are they?

HSAs, only available with qualified high-deductible health plans, are a way for members to set aside money for health-related expenses —

• Employee contributions are not taxed.
• Employer contributions are not taxed.
• Earnings are not taxed.
• Account balances carry over from year to year.
• Funds in account belong to employee.
• In 2007, annual contributions are limited to the lesser of the deductible or $2,850 individual/$5,650 family. The IRS may adjust annually.

Brethen Medical Plan's HSA plan designs

The Brethren Medical Plan offers two high deductible plan designs in conjunction with health savings accounts —

Aqua Plan
The network deductible for this plan is $3,000 individual/$6,000 family. After the deductible is met, the plan pays 100 percent of eligible expenses. Additionally, there is a preventive care benefit that is not subject to deductible and paid at 100 percent according to Highmark Blue Cross/Blue Shield's schedule. To receive this benefit, care must be sought by BCBS network providers.

Lime Plan
The network deductible is $4,000 individual/$8,000 family. After the deductible is met, the plan pays 100 percent of eligible expenses. Additionally, there is a preventive care benefit that is not subject to deductible and paid at 100 percent according to Highmark Blue Cross/Blue Shield's schedule. To receive this benefit, care must be sought by BCBS network providers.