Yes, Health Savings Account is the way to go. I'm self employed, wife works for a dentist and they have health insurance, so I was on hers for years. Looked into HSA, wound up with $2,500 deductible plan, and the premium was so much cheaper that I could fund my own deductible to boot, for less than I would have spent on just the premiums on hers. And the beauty of it is, the money you put in the HSA is your money, and what you don't use will be there for the future. You can put in an amount equal to your deductible every year. And its tax free going in, and tax free coming out (so its actually a better deal than an IRA). You can use the money for any health item- right down to toothpaste and bandaids, if you want. It ends when you go on Medicare, and the guy I talked to said I should have 10 grand or so in it by then, so I could use that money for stuff medicare doesn't cover until its gone, thereby postponing when I would have to get supplemental insurance (Part B or D or whatever).
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Today's Featured Article - Box Plow Blues - by Tom Schwarz. One of the first implements most tractor owners obtain is the box plow. For very little money, this piece of equipment promises to plow and flatten any hill or vale on your ranch road or farm. At least that's what I thought! As simple as a box plow appears, it can be rather challenging to make work correctly. In our sandy soils of Florida, traction is king. You can never have wide enough tires or heavy enough weights to get all the traction you want … unless you own a monster tractor. U
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