A HEALTH-CARE WINDFALL

摘要

Rich phillips has a wife, three kids and a need for health insurance that won't bust his budget. When the Austin, Texas, consultant left a salaried job last fall to start his own company, Phillips, 34, was getting quotes of about $1,000 a month to replace the policy offered by his former employer. Then he discovered Health Savings Accounts (HSAs), a new type of low-cost, high-deductible, big-benefit health-insurance policy. Now he pays $350 a month in premiums and tucks away $300 a month into a tax-deductible savings account. "This is a great plan, the future of health care," says Phillips.