Health Savings Accounts are an excellent way to build a second retirement account. A health savings account is a tax free medical saving account. Health savings accounts are always associated with high deductible health plans (HDHP). With a high deductible health plan, your annual deductibles are high but the monthly premiums are low. The health savings account make it possible to set money aside and then use it whenever needed for your medical expenses. Read the rest of this entry »