“The current healthcare panacea on offer from our friends in the conservative movement is something called a Health Savings Account. The idea is fairly simple: instead of a standard insurance plan, you get one with a high deductible, say $2,000. This plan costs (roughly) $2,000 less than a standard plan, so you take that dough and put it into an HSA. Then you use the HSA to pay your medical bills until you reach your deductible. If there’s money left in your HSA at the end of the year, you can keep it.”