For some, it is ideal to have a Health Savings Account (HSA) apart from having a regular insurance plan. However, it may not be possible for you to keep your company's PPO (Preferred Provider Organization) insurance, unless it is also an HDHP (High-Deductible Health Plans). HDHP was created to complement HSA (Health Savings Account). It aims to have insurers pay lower premiums and still maintain an account to pay for other medical or health-related epenses. HSA rolls over annually unless you make withdrawals for health-related epenses. The Federal Law specifically states that those who qualify for HSA must also have coverage under an HSA-qualified HDHP plan. Even those enrolled in Medicare may not have an HSA. Nevertheless, you might have an HDHP and still keep your company's PPO insurance. You may just have to pay the premiums for HDHP, which is normally higher than the other health-insurance plans. Check first with the insurance company where you intend to get HDHP if you will still receive your free PPO insurance benefits from your employer before getting any HDHP. Answer by  Jose V - June 3, 2009 @ 6:30 pm