Do you know what a health savings account is? I never heard of it but I would like to have this kind of savings account in the future. Actually I would like to have both a health savings account and medical insurance but I am not able to afford to have either one right now. Hopefully I won’t get sick or else I will end up paying my own medical bills out of my pocket. Even though my hubby does have a health care provider, I can’t be included for some reason.