Health Savings Account is designed to save money for qualified medical expenses on a tax-advantaged basis, with a High Deductible Health Plan. This account allows an individual to save as well as grow money through investment earnings. The premium rate is reasonable and contributions can be made any time during the year. Contributions and earnings are tax-free; withdrawals are also tax-free if the money is used for qualified medical expenses. This account remains with members regardless of the job change. Any adult who has not enrolled under Medicare or any other first-dollar medical coverage, can have this account.