[Poker Cat]

HSA's are by far the most sensible innovation in U.S. health care in decades. Unfortunately, hardly anyone knows much about them. MSA's, their former incarnation, had the same problem.

MSA's had a fatal flaw: they didn't allow deductibles over $2000/yr. (Why? Apparently, politicians consider high-deductible plans to be "well-person plans" -- i.e., for the rich.) HSA's now allow up to a $5000 deductible.

There's no guarantee HSA's will last, as they are quite controversial. But for now, the time and trouble of setting one up is likely a very good investment.