The HSA (Health Savings Account). Everyone refers to these as HSA plans but they are really just high deductible health plans that qualify for an HSA on the side. An HSA is a tax sheltered account, similar to an IRA, that you can pay medical expeses with. The savings come from the lower health plan premiums and the taxes you don't pay on money you contribute to the HSA.
Taking everyone but the employed spouse off the employer's expensive group health insurance plan. Over 50% of our clients are benefiting from this type of split family health insurance setup. Usually, employers cover the employee's premium, but make the employee pay for any dependents they add to the plan. Most families save BIG moving everyone but the working spouse to a new plan in the individual market.
The HSA (Health Savings Account). Everyone refers to these as HSA plans but they are really just high deductible health plans that qualify for an HSA on the side. An HSA is a tax sheltered account, similar to an IRA, that you can pay medical expeses with. The savings come from the lower health plan premiums and the taxes you don't pay on money you contribute to the HSA. 
Taking everyone but the employed spouse off the employer's expensive group health insurance plan. Over 50% of our clients are benefiting from this type of split family health insurance setup. Usually, employers cover the employee's premium, but make the employee pay for any dependents they add to the plan. Most families save BIG moving everyone but the working spouse to a new plan in the individual market.