Yes. The Hess Medical Plan is a qualified high deductible plan, which means it meets IRS requirements and can be paired with a Health Savings Account (HSA). A high deductible plan is a cost-effective medical plan with a deductible that is higher than traditional medical plans, such as a Preferred Provider Organization (PPO) or Health Maintenance Organization (HMO). Usually your share of the cost of coverage (the monthly contribution cost or premium) is lower, but you have to pay more health care costs yourself (your deductible) before the plan starts to pay its share (co-insurance) — except for preventive services. A high deductible plan can be combined with an HSA, which allows you to pay for certain medical expenses with tax-free dollars.