ask them this simple question: “Do I have a high-deductible health plan?” If they say no, I give you permission to curse me out for forcing you to make such a call. (Before you hang up, though, ask them if you’re eligible for a high-deductible plan. You may want to consider it, especially if you’re young and generally healthy.) On the other hand, if they say yes, you do have a high-deductible plan, ask them if you can pair an HSA with your account.
