[rmattman]

If you are young and otherwise healthy, a Health Savings Account (HSA) may make sense for you. Basically you couple a high deductible insurance policy (up to $2600 deductible for individual coverage) with a tax-deferred savings account into which you deposit the amount of your deductible each year. You can use the money in the account to cover medical expenses such as MD visits but also for medically related expenses not always covered by insurance (think plastic surgery). If you don't use the money in the account, it will remain in the account until retirement age at which time it becomes like any other IRA and will be taxed on withdrawal at your tax rate in retirement. You can deposit up to the amount of your deductible each year. I would recommend getting a policy with 100% coinsurance meaning that you pay nothing after the deductible is met.