HSA stands for Health Savings Account plans. This is a plan that allows for a separate account to be set up with a financial institution that can be contributed to tax free. For routine doctors office visits this money can be used to pay for the bills. Normally the money is saved in an account that accrues interest. This type of plan is good for those that typically do not go do the doctor that often and have savings to invest against the deductible. You can click on the above link to get a comparison of Arizona HSA plans.