Medicare works with private insurance companies to offer you ways to get your health care coverage. These companies can choose to offer a consumer-directed Medicare Advantage Plan, called a Medicare Medical Savings Account (MSA) Plan. This type of plan combines a high-deductible health insurance plan with a medical savings account that you can use to pay for your health care costs. Medicare MSA Plans give you freedom to control your health care dollars and provide you with important coverage against high health care costs. Information in this publication can help you make an informed decision about your health care. However, you will need more information than this publication provides for you to decide if a Medicare MSA Plan is the right health plan choice for you. In addition to reading this publication, you should also carefully read plan materials before you decide to join a Medicare MSA Plan. Also available in Spanish.