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- The HSA is based on a high deducible insurance plan which allows the employee to take on a higher level of responsibility and risk for medical expenses than a traditional insurance policy. Employees that are quick to go to the doctors office because of low copays (because visits only cost $10) are less apt to go when they experience less serious conditions such as the sniffles. You think twice about paying when you have to pay the full $75 that the insurance company doesn’t make up.