HSA (Health Savings Account)

[SlowHabit]

I've looked at HSAs but I didn't like them because of the high deductible per year. You have to pay a lot out of your own pocket until the insurance starts taking care of you.

So the factor that determines on whether or not you should get a regular health premium or a HDHP (HSA qualified) depend on whether you visit the doctor a lot.

FWIW, if you file as a pro, you don't need an HSA to deduct health care expenses. The great thing about HSA is you don't have to pay taxes on any gained interests and thus theoretically, you could have a huge account saved for health care expenses after your poker playing [or self-employed] days.