A Real World Example In order to make this whole HSA thing a bit clearer, here’s a real world scenario (complete with vivid and exciting characters). The health plans we compared are real plans, as quoted directly from the folks over at eHealth Insurance. Joe Six-Pack is your average family man—a wife, two kids, a dog, and pretty good health. Joe likes his job, at which he makes about $40,000 a year. His wife works part time and brings in $25,000.