Why This Book

I believe that every American should have a high deductible health plan (HDHP) coupled with a health savings account (HSA). I call this "The HSA Strategy."

It is easy to demonstrate that this strategy is in the best long-term health and financial interest of nearly everyone. The potential to plan and save for a "lifetime of benefits" dwarfs the benefits of traditional health plans that only provide benefits during the given policy year.

"The HSA Strategy" is the most cost-effective way to insure health; it will evolve into the free enterprise approach to national health care in America.

Because this book is so vital to America's health care future, it is used as the text in continuing education courses for insurance agents. The responsibility of educating America about the features and benefits of The HSA Strategy will fall upon the shoulders of these professionals.

But the book is also for people who want to learn more about this smarter way of insuring health, and who want to have the plan of the future NOW. Although it is written for the professional, the writing is accessible to individuals and employees across America.