During the past two years, Michigan employers have increasingly switched to high-deductible health plans (HDHPs) with an Health Savings Account (HSA). The Alliance for Health and The Employers Association’s recent health care cost survey found that 39 percent of responding Michigan employers reported that they now offer an HSA-qualified health plan as an option this year. That is up from a reported 30 percent in 2011. The cost savings of switching to an HSA-qualified plan can be seen by both the employer and employee, with typical HSA-qualified policies costing 20 percent to 25 percent less than non-HSA plans, according to Bob Hughes, president of Advantage Benefits in Grand Rapids. Hughes also stated that “he believes the HSA adoption rate could easily exceed 50 percent or even 60 percent within just a few years in West Michigan.