 Let's talk about health savings accounts, HSAs for short. The first thing I should tell you is like what is an HSA and who is eligible. Health savings account are if you have a high deductible health insurance plan. So if you have one of those, you know what I'm talking about. And a high deductible health insurance plan means you're paying a lot of money out of pocket before your insurance company will take over and start paying, which means your premiums are lower. The way to reduce premiums for a lot of people is to have what's called a high deductible health insurance plan.