Need a bigger tax break?  Have a healthy family?  You might want to consider using a high deductible health insurance plan rather than a more standard HMO or PPO plan.  You benefit from the lower premiums, and because your family is healthy, you’re unlikely to actually need to spend much money on health care.

But if something horrible happens like a diagnosis of cancer or a horrible car accident, you still have catastrophic coverage and a cap on your total out of pocket expenditure.  But the best part of an HSA is that it functions as a stealth IRA.