A number of employers are rolling out benefit plan options this fall. With all the new healthcare rules and regulations beginning to take affect, some employees may not know how to best take advantage of all the options available to them.

Health savings accounts aren't new, but many more employers are beginning to offer this option. While a health savings account may seem like a good idea for some people, people need to carefully look over the plan in detail.

CNN Money notes that while a person may realize lower premiums than with a traditional individual or family health insurance plan, the deductible is higher. Furthermore, they note that young, healthy people tend to benefit from health savings accounts the most since they don't requite much medical care.

As with any major financial decision and insurance plan, consumers should take their own personal situations into account. As mentioned, insurance needs are different if one has dependents or is single. Coverage needs do change over time so it's always important to revisit plan options during open enrollment period at work.