Blue Options HSA provides lower premiums and savings as much as 35% off Blue Advantage, giving you the ability to take control of your health care costs.1 Blue Options HSA combines a high-deductible health plan (HDHP) with a health savings account (HSA), which enables you to pay for qualified medical expenses tax-free.^{2, 3} Out-of-pocket maximums protect you from high-dollar medical costs. And, your HSA is portable. Any unused balance rolls over at the end of the year.

With Blue Options HSA, you can choose your own doctor from our largest provider network in the state. Preventive care services are covered at 100%, including routine physical exams and screening tests; well-baby and well-child care.4 Generic drugs coverage is unlimited and brand-name drugs include a $2,000 combined in- and out-of-network maximum (per person per benefit period).

The HSA is automatically included with the health plan if you choose Mellon Trust as the fund administrator. Mellon includes a convenient debit card at no charge, and HSA contributions and withdrawals are tax-free.^{2, 3}

To be eligible for Blue Options HSA, you must be a resident of North Carolina, between the ages of 18-65 and not eligible for Medicare. Individual or family plans are available. You can also select maternity coverage for an extra charge when you first purchase a policy, renew a policy (if the policy has been in effect for at least six months), or if you have a family status change, such as marriage.