A Health Savings Account (HSA) plan is a high-deductible plan that also includes a tax-free HSA. You can put money in the account tax-free and then use that money for qualified medical expenses.
HSA Plans are sometimes called consumer-driven health plans (CDHP) because you are responsible for the majority of upfront costs. Preventive care and other limited services are covered at 100%, but it is important that you research your options to find the highest quality and most cost effective providers.
If you have money left in the HSA bank account it stays in the account for the following year. The money can also be taken with you if you change your health plan.