Yes, Health Savings Account is the way to go. I'm self employed, wife works for a dentist and they have health insurance, so I was on hers for years. Looked into HSA, wound up with $2,500 deductible plan, and the premium was so much cheaper that I could fund my own deductible to boot, for less than I would have spent on just the premiums on hers. And the beauty of it is, the money you put in the HSA is your money, and what you don't use will be there for the future. You can put in an amount equal to your deductible every year. And its tax free going in, and tax free coming out (so its actually a better deal than an IRA). You can use the money for any health item- right down to toothpaste and bandaids, if you want. It ends when you go on Medicare, and the guy I talked to said I should have 10 grand or so in it by then, so I could use that money for stuff medicare doesn't cover until its gone, thereby postponing when I would have to get supplemental insurance (Part B or D or whatever).
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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