This program is available to people who have high deductible medical plans. An HSA qualified health plan is a health insurance plan with a minimum deductible of $1,150 (single coverage), or $2,300 (family coverage). Maximum annual in-network out-of-pocket expenses are $5,800 (single coverage) or $11,600 (family coverage). If you have this type of medical plan, you can go to your bank and open a health savings account. You can make deposits into that account, and any medical expenses paid with this account(EXCEPT health insurance premiums) will be deducted from your taxable income at year-end. This allows you to save from 15 to 35% on your medical expenses. The money contributed to your health savings account rolls over to future years, so you do not lose it. For more information, contact your local bank.