Take control of your healthcare spending

The Empower HSA plan is a high-deductible health plan that you can pair with a Health Savings Account (HSA) that you establish with a bank.

Download plan details and rates
Empower Individual Plan Summary of Benefits and Rates

Empower plan highlights

Monthly Premium	Deductible Options	Preventive Care	Office Visits	Emergency Care	Hospitalization	Prescription Drugs
Starts at $104	Single coverage: 80% Plans $1,200 $1,400 $1,600 $2,000 $2,300 100% Plans $2,600 $3,100 $5,000 $5,600 Family coverage: 80% Plans $2,400 $2,800 $3,200 $4,000 $4,600 100% Plans $5,200 $6,200 $10,000 $11,200	100% coverage before your deductible for care up to $200 per year Then, 80% or 100% coverage after you pay your deductible	80% or 100% coverage after you pay your deductible

Some costs you don't pay at all, whether you've met your deductible or not:

• 100% coverage for well-child care up to age 6
• 100% coverage for immunizations up to age 18

Using a Health Savings Account (HSA)
An HSA allows you to save money for health-related expenses in a tax-free bank account. You create this account with the bank of your choice. Once your HSA is established, you can be reimbursed for qualified health expenses.

Learn more about how HSAs work >

How to choose a deductible
A deductible is the amount each individual or family pays per year for healthcare services before your insurance kicks in. Generally, higher deductible plans have lower monthly premiums, while plans with lower deductibles have higher monthly premiums.

Want to pay fewer expenses up front? A lower deductible plan might be your best option because your insurance coverage will go into effect sooner. Don't need to go to the doctor very often? A higher deductible may lower your monthly premium. Then, you only pay more if you have to go to the doctor.

What is an out-of-pocket maximum?
The out-of-pocket maximum is the total you pay for all of your healthcare including your deductible and coinsurance.

Once you reach your out-of-pocket maximum each year, HealthPartners will pay 100% of your eligible medical expenses the rest of the year.