The simplest comparison is to first select "HSA" under "Plan Type" and then select "0%" under "Coinsurance" in the drop-down boxes under the "Limit Plans By" heading at the top of the list of quote results.
The list of quote boxes will then show only plans that pay 100% of covered expenses after the deductible which allows the simplest comparison of competing plans.
Coinsurance is any percentage that you pay after you pay the deductible and before the plan pays 100%. So if you want the plan to pay 100% after deductible, you must select one that is 0% under the "Coinsurance" heading.
You can check the box at the left of each quote that you want to compare and then click on 'Compare' under the 'Compare Plans' heading which will list the selected plans side by side (up to four quotes compared at one time).
You can also select one insurance company at a time or narrow the list to a specific range of deductibles or range of premiums.
The plans are listed from the lowest monthly premium to the highest. The plan feaures are found by clicking "Plan Details" and the carrier's brochure by clicking the plan's name under on the left bottom of each quote result box.
Common Plan Design
If the plan does not pay 100% after deductible, the coinsurance may be greater than the deductible. So compare total out-of-pocket, not just deductibles. Out-of-pocket means deductible + total possible coinsurance.
Each year (usually calendar year), you have to pay all medical expenses until the deductible is met. The Internal Revenue Code requires that there are no copays for doctor visits or prescriptions in these plans, except a copay is allowed for preventive wellness checkups. Not all plans cover preventative checkups.
HSA plans are "catastrophic coverage" in design, but the Internal Revenue Code limits deductibles and out-of-pocket maximums to be within a certain maximum and minimum range.