Health insurance companies are looking for ways to keep their costs down.

In a recent survey of 1,000 employees, an insurance company with a total workforce of more than 20,000 surveyed nearly half of its workers said they were considering buying health insurance, or potentially making their coverage optional, to offset the cost of a health plan.

One insurer that’s doing this is Essential Health Care.

The insurer is working with the Centers for Medicare and Medicaid Services (CMS) to offer its employees the option to purchase a “health savings account” that will provide up to $5,000 in savings to offset any out-of-pocket expenses, according to a recent memo from the insurer’s chief financial officer, Tom Stadtmueller.

The memo went on to explain that employees who choose to sign up for the account will also be eligible for a $500 annual enrollment bonus, up to a maximum of $1,500 per year.

That’s the equivalent of up to 20 months of health insurance coverage for employees, according a summary of the memo provided to Fox News by the insurer.

The cost of this coverage could be especially costly for employees who are not eligible for health insurance subsidies.

For some employees, the plan’s cost could add up to thousands of dollars a year, according the memo.

That means that, in many cases, it might be worth it to opt out of the health insurance subsidy.

“There are certain situations where a large portion of your health insurance is a liability and that could cause a significant burden to you if you opt out,” Stadmueller said in the memo, which was obtained by Fox News.

“In some cases, this would not be a problem for you.

In others, you might not be able to afford to keep it.

In other situations, you may be better off sticking with your current plan, which is a much better plan.”

It’s important to note that the memo does not include any specifics about what types of employees are eligible for this option.

For example, some companies will only allow employees who have a preexisting condition to enroll in the health savings account.

If your current health plan offers an insurance subsidy, you can still opt out by enrolling in the premium-contingent program, which can add up quickly and add to your monthly premium.

But the memo did not specify whether employees who qualify for the plan could opt out entirely.

The CMS has offered similar subsidies for workers eligible for employer-sponsored coverage, but the memo said the benefits offered to employees would vary depending on their employer’s policies.

The health savings accounts also are not currently available for individuals who have Medicare.

Stadtmsueller’s memo said employees who opt out from the health plan’s insurance subsidy would not have to pay premiums, deductibles, copays, or co-payments.

The new option is available only to employees who currently have a “premium-contributing” health plan, meaning their employer pays for all out- of-pocket costs, including deductibles and co-pays.

However, this coverage is not currently offered for employees eligible for the cost-sharing subsidy, according