Empower HSA Plan

Take control of your health care spending

The HealthPartners Empower plan is a high-deductible health plan that you can pair with a Health Savings Account (HSA)for maximum financial choice and flexibility.

What is a Health Savings Account (HSA)?

An HSA is an account you can set up with a bank of your choice once you are enrolled in a high-deductible health plan, like Empower. You do not have to enroll in an HSA, but it is a great benefit of having a high-deductible plan. The funds you contribute can be used to pay for qualifying medical expenses you and your family have over the year, such as routine health care, hospital expenses, dental and vision care.

Aside from the financial control an HSA offers, one of the biggest advantages is tax savings. You reduce your taxable income by contributing to your HSA; savings grow pre-tax and all withdrawals for qualified expenses are pre-tax. Learn more about how HSAs work here.

Plan details:

• For a quick and simple look at the plan, check out the Empower Overview and Summary of Benefits.
• If you want detail on all the additional plan benefits, like our health and wellness discounts and online tools once you’re a member, download the full 12-page Empower brochure:
  • With Area 1 Rates (Twin Cities Metro, central and northeastern Minnesota)
  • With Area 2 Rates (Rochester area counties)
  • With Area 3 Rates (Duluth area and other greater Minnesota counties)
• Want an easy way to find out your rates for this plan? We’ll do the math for you. Click “Price Empower Plans” at right, enter your information, and you’ll get a list of personalized monthly premium options for you and your family based on the current rates. From there, it’s easy to apply online.

What should I know before I apply for Empower?

• You must be age 19 to 64 to be a policyholder on this plan.
• You must be a resident of Minnesota.
• This plan is for individuals and families, so dependents can be covered on this plan.

Where can my family and I get care?

With HealthPartners, you can choose from more than 700,000 doctors and other care providers, and 5,800 hospitals throughout the United States. Plus, you’re covered when you travel in the United States. You can see any specialist in the network, with no referrals needed. Have a favorite doctor or hospital? See if they’re covered in our Individual Open Access Network.

What about my prescription drugs?

As a HealthPartners member, you’ll have the advantage of our contracted discounts at more than 60,000 pharmacies nationwide. And with Empower, drugs are covered after you reach your chosen plan deductible. Visit healthpartners.com/formulary and click on “Search PreferredRx” to see what drugs are covered.

How does the deductible work?

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

With Empower, if you plan covers multiple people, your entire family’s medical costs are combined towards the family deductible.