re: Health Savings Account

For years, being self employed meant I had crappy health insurance - with deductibles up to $6,500. For years we'd always fall just short of our deductible, so we were spending $5-6K out of pocket on medical expenses. An HSA was great for me. We set ours up through State Farm. Most years we'd just pay the medical bills out of my normal checking account - then when we'd have a large health care expense or a chunk of cash sitting around, we'd put it in the HSA and just write a check back to ourselves to reimburse the medical expenses.