You’ve probably heard Clark talk about Medical Savings Accounts or MSAs. These were health insurance plans that were available to people who owned their own businesses or worked for small businesses. If you had an MSA, you would have a high-deductible insurance policy coupled with a tax free savings account. It was available to a limited number of people for a limited number of years. So, it was ultra successful, but very limited. Now Congress has graduated the MSA program into HSAs or Health Savings Account, and there is no longer a limit on who can participate. It’s no longer an experiment and is now the law of the land. Consumers are having trouble finding information about these plans, however. But what we need to remember is that when something is signed into law, there is a period of “promulgation.” It means that Congress has to write the rules of the road about how it will work, and no one in Washington D.C. knows yet. Once the rules are published, you will start seeing more of these plans. But for now, we need to be patient. A lot of the plans being offered today are MSAs with the HSA name attached. So, you will want to pay attention to this. As long as you buy a high deductible plan of $1,000, you will be eligible to have a tax-free savings account with anyone you want. The other key component is that the maximum out-of-pocket expense is $5,000. Why is Clark so keen on these plans? Well, until now, we’ve never cared about what procedures cost under our plans. We just know that each year there is an increase in what we pay. But the patients have had no control over the pricing. But if we’re responsible for paying, we have a direct reason to care how much things cost. And the healthier you are, the more beneficial these plans will be for you. On the other hand, if you’re not that healthy, these plans will not be smart for you. We’ll keep you posted.