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Personal Choice® EPO Reserve plan with an HSA

Our Personal Choice EPO Reserve plan works like other EPO health plans. You are not required to choose a primary care physician (PCP), and you can see any in-network doctor or specialist without a referral. But with the HSA-qualified plan, you can set aside money in a tax-advantaged health savings account (HSA) for any qualified medical expenses you may have.

You can use money from your HSA tax-free1 to pay for qualified health expenses, including copays at the doctor, prescriptions, and dental and vision care costs. It can even be used to pay for some health services that may not be covered by your plan, such as LASIK surgery. Any contributions you make to your HSA are yours to keep, even if you change health plans later. If you don’t use all the money in your HSA at the end of your health plan’s benefit period, it rolls over year after year.

To learn more about EPOs in general, read “What is an EPO?”

Couple Shops For A Personal Choice EPO  Reserve Plan On Their Computer
Couple Shops For A Personal Choice EPO Reserve Plan On Their Computer

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Is an EPO Reserve plan with an HSA the right plan for you?

An HSA-qualified health plan may be the best health plan for you and your family if you live within one of these five counties and want to save money on current and future (after the current plan year) health care expenses. These types of plans allow you to spend your health care dollars on qualified medical expenses — tax-free.

How an HSA saves you money

HSA-qualified plans typically have lower monthly premiums than many other health plans, so you save money on your monthly premiums. Plus, you can save even more by investing in a tax-advantaged account that earns interest. Any tax you’ve paid on the money you contributed to your HSA will be returned to you when you file your annual taxes. Plus, you don’t have to pay taxes on the money you withdraw for qualified medical expenses, or on the interest earned by your account.

Benefits of an HSA

  • Use the money you save to make tax-deductible HSA contributions
  • Take tax-free withdrawals to pay for qualified medical expenses
  • Save for future health care expenses

Personal Choice EPO Reserve plan option

Personal Choice EPO Bronze Reserve + HSA eligible
Deductible $7,450
Primary care physician visit 0% after deductible
Specialist visit 0% after deductible
Inpatient hospital 0% after deductible
Generic prescription drugs 0% after deductible (Integrated with Medical deductible)
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Open an HSA

It’s easy to get started with your HSA. If you open your HSA through Independence Blue Cross, you can easily access your account, view your activity, and even pay in-network providers by logging in to You also have the option to set up an HSA with another vendor.

Once you get your HSA set up and your information has been processed, you will receive a welcome kit and a separate HSA debit card in the mail.

Advantages of an HSA-qualified plan:

  • Convenient account management through your member account at
  • Easy online claim payment and reimbursement process for qualified out-of-pocket expenses
  • An HSA debit card that can be used to pay for medical expenses directly from the spending account
  • Ability to transfer direct contributions can be transferred online
  • Access to a wide variety of industry-leading investment options to help you maximize savings year after year
  • Option to invest your savings once your balance reaches $500


Additional information

Review important information to get a better understanding of our individual and family health insurance policies and guidelines and the steps Independence Blue Cross takes to help you receive appropriate covered services.

1 Tax rules vary at the federal, state, and local levels. Please consult your tax advisor for guidance.