Health Savings Account: "The Destiny Health Plan’s use-it-or-keep-it Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA) allows you to control your health care spending. This is a health care spending account set up for you with a fixed amount of money to spend each year for your health care expenses. Use it to pay doctor's office visits, diagnostic tests, preventive care, alternative medicine, prescription drugs, hospitalization and surgical care. Any money you don’t use rolls over for your eligible expenses next year, and it earns interest along the way." We are going to start seeing clever ways which will allow patients to control their own healthcare costs. This is going to be a major incentive to stay in good health - "health is wealth" may become literally true !