Health Savings Accounts are a tax-advantaged medical savings account available to taxpayers who are enrolled in a high-deductible health plan. Unlike the flexible spending account (FSA), funds roll over and accumulate year to year if not spent. Health savings accounts are opened and owned by the individual. You decide how much you want to contribute and how often you want to make contributions into your own personal health savings account. You can also use this money into retirement years. The links below will help you get started.