So has anybody actually found an individual insurance plan that offers an HSA?
I've had an MSA since they were first introduced ... the new HSAs are basically the same deal, with less restrictive terms and conditions.
You don't have to have the insurance and the savings account under the same umbrella company. In my case, I have a Blue Cross health policy that meets the requirements, and the MSA is adminstered by Home Federal Savings. Home Federal has indicated to me that they will be doing HSAs as well, and that I can convert my MSA into an HSA.
So far, the arrangement has worked well. The BC plan gives me the negotiated rate, and doctor bills are effectively paid with pre-tax dollars.