Do I need health insurance with a Kibono Health Spending Account?

No, but Kibono strongly recommends purchasing one or more health insurance products for you and your employees such as Life, Disability, Critical Illness or Emergency Medical to supplement your Kibono HSA for complete and comprehensive health coverage. HSAs are only for routine medical costs like prescription drug or dental costs and do not cover any unforseen catastrophic events such as death or a disability. Health insurance products are very important for complete health coverage.