Which plan is most commonly paired with a high deductible health plan?

A Health Savings Account (HSA) is the plan most commonly paired with a high deductible health plan (HDHP) because it allows individuals to save money tax-free for healthcare expenses. HSAs provide a way to offset the higher out-of-pocket costs associated with HDHPs, as they enable policyholders to set aside pre-tax income for qualified medical expenses. This alignment encourages consumers to be more engaged in managing their healthcare costs and promotes saving for future medical needs.

Additionally, HSAs have unique advantages over other accounts, such as the ability to carry over unused funds from year to year and potential growth through investment, making them a versatile financial tool for those with high deductible plans. This makes HSAs particularly appealing as they complement the features and purpose of HDHPs well.