The metal tiers are more about risk tolerance than coverage: Lower tier = pay less monthly, but pay more when you go to the doctor Higher tier = pay more monthly, but pay less when you go to the doctor

A health savings account (HSA) is an interest-bearing bank account where you can put pre-tax dollars in and use them for healthcare costs. But to be eligible to contribute to an HSA, you need a special high-deductible, high-premium health (HDHP) health plan.