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Blue Cross PPO providers are so numerous that you are likely to be close to one no matter what part of the country you live in. Blue Cross plans also give you access to HSA and FSA health savings accounts. With an FSA plan, you can save money tax-free for health insurance deductibles and other health-related expenses. The HSA plan is similar but must be used only for medically-qualifying expenses. Many people apply the funds in these plans to insurance deductibles and enjoy the benefits of lower insurance premiums with a high-deductible plan.