My firm has been given the option this year of switching from a traditional health insurance program to a "health savings account" program. Basically this consists of a catastrophic (high deductible) policy through a traditional insurer, coupled with special individual savings accounts earmarked for whatever health expenses are incurred prior to the deductible being met. The funds in the account "roll over" from year to year, they are portable from one employer to another, they are not lost upon death (a beneficiary is designated), and they can be pulled out at the discretion of the employee, albeit with a penalty. Contributions to the HSA are tax deductible so long as they are not touched for non-medical expenses. From an entirely personal standpoint, this seemed like a kind of neat way of dealing with the problem of health insurance that has frequently been discussed on this board. The premiums are very low. I'm wondering if others of the homesteading mindset have used HSAs and what they think of them.