Unlocking the Power of HSAs: How a Health Savings Account Can Save You Money and Secure Your Future The average American earning $50,000 spends more than $5,000 annually on health care. Roughly 15% of that cost, around $800, is for out-of-pocket fees such as deductibles, copays, and any expense not covered by the insurance plan. Learn more Unlocking the Power of HSAs: How a Health Savings Account Can Save You Money and Secure Your Future