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Ever since the Health Savings Accounts came into being in January 2004

1), membayar untuk setiap cakupan rencana kesehatan saat menerima tunjangan pengangguran federal atau negara.
2) COBRA menyediakan cakupan kelanjutan setelah meninggalkan pekerjaan dengan asuransi kesehatan perusahaan.
3) asuransi perawatan jangka panjang yang berkualitas.
4) premi Medicare dan biaya out-of-saku, termasuk deductible, copayments dan coinsurance untuk: Part A (rumah sakit dan rawat inap jasa), Bagian B (dokter dan rawat jalan jasa), Bagian C (Medicare HMO dan PPO rencana) dan Bagian D (obat resep).

Namun, ketika seseorang meninggal, dinonaktifkan atau mencapai usia 65, maka penarikan dari Rekening Tabungan Kesehatan yang dianggap dibebaskan terlepas dari tujuan yang penarikan ini dari pajak penghasilan dan denda 10 persen tambahan. Ada berbagai metode, ditarik oleh dana dari HSA. Beberapa HSA menyediakan pemegang rekening dengan kartu debit, beberapa dengan cek dan beberapa memiliki pilihan untuk proses penggantian yang mirip dengan asuransi kesehatan.

Karena Kesehatan Tabungan datang pada bulan Januari 2004, ada pertumbuhan yang fenomenal dalam jumlah mereka. Dari sekitar 1 juta pendaftar pada Maret 2005, jumlah tersebut telah berkembang menjadi 6,1 juta pendaftar pada bulan Januari 2008,14 ini merupakan peningkatan dari 1,6 juta sejak Januari 2007, 2,9 juta sejak Januari 2006 dan 5,1 juta sejak Maret 2005, pertumbuhan ini terlihat di semua segmen. Namun pertumbuhan dalam kelompok besar dan kelompok kecil adalah jauh lebih tinggi daripada dalam kategori masing-masing. Menurut perkiraan Departemen Keuangan AS memiliki, jumlah pemegang polis HSA menjadi 14 juta pada tahun 2010, meningkatkan 14 juta kebijakan luasnya 25 sampai 30 juta orang Amerika.

Di pasar individual, 1,5 juta orang dari HSA / HDHPs dibeli seperti pada bulan Januari 2008 telah tertutup Berdasarkan jumlah nyawa tertutup, 27 persen dari kebijakan individu baru dibeli (didefinisikan sebagai mereka yang membeli selama bulan penuh terakhir atau kuartal) yang terdaftar di HSA cakupan / HDHP. Di pasar kelompok kecil adalah pendaftaran di 1,8 juta per Januari 2008 Dalam kelompok ini, 31 persen dari semua pendaftaran berada di kategori HSA / HDHP. Kategori kelompok besar memiliki pendaftaran terbesar dengan 2,8 juta pendaftar pada Januari 2008 Dalam kategori ini, enam persen dari semua pendaftaran berada di kategori HSA / HDHP.