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The Co-Pay Versus a Health Savings Account

If you have a co-pay plan, this is NOT the same thing as a Health Savings Account. We’re not sure why there is this kind of confusion over the two, but a lot of families who tried HSAs found out they don’t care for paying full freight at the doctor’s office. We’ve even heard stories of those who had HSAs wanting to switch back to a co-pay plan. The co-pay is a whole lot more popular because the cost of paying for medical care is lower at the doc’s office.

The likely reason that co-pay plans are preferred is because the benefits are visible right away when you pay that doctor’s bill. With the HSAs you save aside money every month for medical expenses and you have a High Deductible Health Plan. In plain English it means you pay for health benefits up to a certain dollar amount. If the bill is more than what the benefits cover, you pay for them out of your Health Savings Account.

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