What is an HSA account, and how does it work?

You will require a health policy compatible with a Health Savings Account (HSA). When you purchase the policy the insurance company will indicate if it is HSA ready.
You can set up an HSA at your local bank or through a company like Ameriflex.. website is Ameriflex | Homepage (https://www.myameriflex.com/) . They charge more but generally manage the plan for you, this is good when you have 5–10 employees