Health Savings Account (HSA): Only available to you if you have a high-deductible health plan (described below). Lets you save pretax money for qualified, out-of-pocket medical expenses. Allows tax-free withdrawals (also called distributions), as long as the money is used for qualified out-of-pocket medical expenses like doctor visits, copays, dental and vision, and prescriptions. If offered by your job, an HSA allows automated payroll contributions. Some employers and even some insurers will also make contributions to your HSA if you select this type of plan. If your insurance company makes
