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And hopefully you can hang on to that policy. you talk about health savings accounts, they have a tack advantage, taked a van of it. obamacare will limit that to $2,500 which i don t like, but a lot of people that have them are not using them properly now. so, i say use that $2,500 properly. it s a tax break. you should use it for what i call nonessential services. if you re not sick, figure out in advance, what can i use it for? neil: prescription prescription, trips to the doctor when you re not sick. when you re going into the hospital you want your health insurance to kick in. if not, you can use our flex spending account. neil: a lot of is just common sense, talking to your doctor. you d be surprised how many people don t. ask your doctor, are you going to take obamacare insurance? medicare and medicaid? half the doctors in the country ....