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All of the plans offering first - dollar preventive care benefits included annual physicals, immunizations, well - baby and wellchild care, mammograms and Pap tests; 90 % included prostate cancer screenings and 80 % included colon cancer screenings. Some analysts believe that HSAs are more beneficial for the young and healthy as they do not have to pay frequent out of pocket costs. On the other hand, they have to pay lower premiums for HDHPs which help them meet unforeseen contingencies.