HSA plans typically only have a deductible that can range anywhere from $1,500 to $7,900 depending on the plan. This means you will pay 100% of the cost of care and drugs until you hit the deductible, but once you hit it you are done paying for that year. These plans are a great option for people who are healthy and are only looking for coverage in the case of a catastrophic illness. Furthermore, you can contribute into your health savings account with pre-tax dollars, which helps reduce your taxable income. For 2020 the maximum individual contribution into an HSA is $3,550 and for a family it is $7,100.