Health Savings Accounts (HSAs) give you another option for managing the high costs of healthcare. With HSAs, you have more control over your money. You can invest money for current and future medical expenses and grow it tax-free (consult your tax advisor for details). Unlike flexible spending accounts, which are controlled by employers and have a use-it-or-lose-it limitation, HSAs are portable and belong to the consumer for life. HSAs prove especially beneficial for small businesses. Traditional healthcare insurance is often too expensive for small businesses to offer to their employees. With a high-deductible plan and corresponding HSA, business owners can offer employees the healthcare security they need.