I've mentioned Health Savings Accounts before, usually in the context of IRAs and steroids.
Here's a study about FUNDING your HSA.
Let's say you bought your own HSA policy, since your employer doesn't offer insurance. Go to the Boss, and ask for a contribution. The Boss might laugh you out of the office. Or, realizing that you'll find a Boss who'll contribute, the Big Kahuna might pony up.
Worth a shot.
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