I have an HSA account. It is tax free for life, and rolls over every year. Some of you are confusing FSA with HSA accounts. They are two different things. The company I work for deposits $2000 a year in to the account, and it is interest bearing. I have a Master Card tied to the account that I can use for any medical expenses. I wouldn't go with any other plan, unless I was in really bad health. I figure by the time I get older and more decrepit, I should have a decent amount of money banked in the account.