Key factors that influenced their decision:<\/p>\n
\u2022 Health history:\u00a0Aaron and Carmen are young, healthy, and active individuals with a history of minimal health care needs, which played a significant role in choosing an IBX HDHP with an HSA.<\/p>\n
\u2022\u00a0Tax advantages:\u00a0The tax benefits of an HSA plan appealed to them.<\/p>\n
\u2022\u00a0Contributions:\u00a0They valued the freedom to use money in their HSA for both health and financial needs, including investment opportunities.<\/p>\n
\u2022\u00a0Investment strategies:\u00a0They liked the idea that an IBX HDHP with an HSA offers several investment options they could take advantage of.<\/p>\n
Benefits of an HDHP with HSAAs a young couple with minimal health care expenses, the HDHP with HSA<\/a> was a perfect fit for Aaron and Carmen. With low monthly premiums and no-cost coverage for preventive care<\/a> before meeting the plan\u2019s deductible, they could prioritize their health without incurring additional expenses.<\/p>\n The HSA also allows them to set aside pre-tax dollars for current and future health care expenses. This was especially beneficial as they were planning for a baby and wanted to ensure they had the funds available for any immediate or long-term needs.<\/p>\n In 2024, they elected to contribute the maximum allowable amount for the family coverage tier to maximize both their saving and investment opportunities.<\/p>\n Common qualifying expenses*<\/p>\n \u2022 Copays, deductibles, and coinsurance When their dreams of parenthood became a reality, Aaron and Carmen used their HDHP with HSA and AblePay for all of Carmen\u2019s OB-GYN and maternity visits. The combination provided them with excellent care and significant savings. They ended up saving almost $900 using AblePay and their HDHP with HSA. Additionally, there was no extra paperwork or claim submissions required when using AblePay, making for a seamless experience.<\/p>\n Ready to maximize your health care savings? Learn more and enroll with AblePay<\/a>.<\/p>\n *Refer to IRS publications 969, 502, and code section 213(d). These publications are available at irs.gov<\/a> for further guidance.<\/p>\n
\u2022\u00a0Prescriptions
\u2022\u00a0Dental exams, X-rays, and orthodontia
\u2022\u00a0Vision exams, frames, and contact lenses
\u2022\u00a0Physical therapy and chiropractic care
\u2022\u00a0First aid kits
\u2022\u00a0Over-the-counter medicationsIncorporating AblePayAs IBX members, Aaron and his family have access to AblePay at no cost. By using a participating AblePay provider and paying their bill in one installment, they could take advantage of up to a 13 percent savings on out-of-pocket expenses (copays, coinsurance, and deductibles) when using a bank method \u2014 checking, savings, or health savings account (HSA). AblePay also offers additional flexible, interest-free payment plan option that fits a member\u2019s financial needs. This additional layer of savings was too good to pass up, especially with a baby on the way.
\nMaximizing their savings with ease<\/p>\n![\"Ablepay](\"https:\/\/www.newsbeep.com\/us-pa\/wp-content\/uploads\/2026\/01\/Ablepay_infographic.width-704.png\")
\nHealth care solutions that work togetherIn the end, Aaron and Carmen\u2019s choices, combined with the synergy between their HDHP with HSA benefits and taking advantage of AblePay, allowed them to save money and focus on what truly mattered \u2014 welcoming their new baby into the world. Their story is a testament to how these solutions work together to provide excellent care and help members save money, giving them peace of mind to live their best lives.<\/p>\n