A Medicaid program in Florida has incorporated reverse HSAs to encourage healthy behaviors (e.g., smoking-cessation programs, weight management programs, routine preventive care).

Through the new program, enrollees begin the year with a zero balance in a health savings account, but can receive up to $125 a year, which can be used to pay for non-covered health expenses. 

Credits can be rolled over from year to year and balances can be used for up to three years after beneficiaries leave the Medicaid program.