Health Savings Accounts (HSAs) were introduced in 2003 by President Bush who was, at the time, looking for ways to improve and modernize the healthcare options available. There has been some controversy over the value of HSAs to the average citizen and the most recent statistics suggest that the take-up has been low and is limited to the more wealthy taxpayers. Let’s see how the HSA is designed to work and then discuss whether an HSA might be the right solution to your health insurance problems.