3 ms·

There is one but the premium is the same as the gold plan.

• lotsofpulp 7y ago
  Gold means a “typical” population is expected to pay 20% while insurance company pays 80%. A plan can be gold and HSA eligible at the same time, it will just have lower out of pocket maximum and coinsurances. If you have enough cash to afford the deductible, you should always go for HSA as you can earn the tax free investment returns on the HSA funds. A gold non HSA and gold HSA both are designed for the insured to pay 20% and insurance company to pay 80%, but the HSA will let you invest $3,550/$7,100 single/family, and that can add up over the years. If you started it around 10 years ago, you could realistically have over $100k in the HSA for family plans.