[MarianneJ]

I have had my eye on these since they were signed into law (December 2003 if I remember correctly). Once I am employed as a hygienist it is likely that I will not have health insurance benefits and possibly no retirement plan either, so the HSA sounds appealing. Luckily we are a pretty healthy family *knocking on wood* and I do have a Roth, but I think the HSA might be our solution.