HSA Plan

High-quality, HSA-eligible major medical insurance plan

Save money on income taxes and minimize healthcare spending with a Health Savings Account.
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The advantages of the HSA Plan

  • Tax Savings

    Save money on income taxes and minimize healthcare spending with a Health Savings Account.

  • Expanded PPO network

    This plan is on a large, nationwide PPO network.

  • Free 24/7 telemedicine

    Get access to care anywhere, anytime with $0 virtual telemedicine.

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Frequently Asked Questions

When can I enroll in a Major Medical plan?

You can enroll during open enrollment from November 1 through December 31, or if you have a qualifying life event during the year. If you enroll outside of open enrollment, you will be subject to a 60-day waiting period.

When does my plan start?

For Major Medical plans, open enrollment is November 1 through December 31. Your plan effective date during open enrollment is January 1. For those that enroll outside of open enrollment, your effective date is on the first of the month following a full 60-day waiting period.

How long does my plan last?

You will keep your healthcare plan for 1 year after your effective date. If there is a qualifying life event, you may be eligible to update or cancel your plan.

Can I switch my plan?

You can switch plans at the 1-year renewal date.  To switch before then, you must have a qualifying life event.

How do I cancel my plan?

To cancel your plan, contact members@clearwaterhealth.com. In order to cancel your plan, you must have a qualifying life event. You have 31 days from the date of your qualifying life event to notify us of the qualifying life event in order to cancel your plan. Your policy will terminate at the end of the month from the date we receive your qualifying life event documentation.

Are there age limitations to the memberships? Can I enroll my children?

At the age of 18 a child is eligible to enroll in their own individual plan.  However, a child can stay on a parents plan until the age of 26.  At the age of 26, a child must enroll in their own plan. If someone is 65 or older they are eligible, however, Medicare will likely be a cheaper option with a broader network.

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Love from Our Community

Hear it from our members: There's lots to love.

My wallet and heart are full since joining United Real Estate Group (UREG) Health Plans. When making the switch to UREG Healthcare for better benefits for my husband who is diabetic, we lowered our deductible and will save $3,000 annually with our new plan. He is no longer tied down because of health insurance, and has a newfound freedom on his health and his life.
Terry Hooker
Leslie Tubberville
Clearwater Member
Chad-and-Jen-Beasley
Phillip Cantrell
Clearwater Member
I spent twelve weeks in the ICU. The bills mounted up to about two million dollars. The length of time I was in the hospital I would have been bankrupt. And because of (Clearwater Benefits), I survived that. And my family survived that.
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Terry Hooker
Clearwater Member
Brandon-and-Mary-Snyder
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Lois-De-Armas

Better care. Better cost.

$8,000*

Average annual savings

PPO

Network upgrade

80%

Out-of-pocket savings

*Estimate is based on an average of annual data and will not apply to every individual customer.

Is a Major Medical HSA Plan right for you?

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