The out-of-pocket expense of mammograms, MRIs and other tests and treatments can be several thousand dollars each year when you have a high-deductible health policy. Lester Lefkowitz/Getty Images hide caption
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health savings accounts
Money deposited in a health savings account is tax-deductible, grows tax-free and can be used to pay for medical expenses. The annual maximum allowable contribution to an HSA is slightly lower for some people this year. Fanatic Studio/Collection Mix: Subjects RF/Getty Images hide caption
Vasectomies are more common among men over age 36 and those with higher education. Wendy Ashton/Getty Images hide caption
A health savings account works much like a personal savings account — with a difference. Any money in it that we use to pay for certain medical expenses isn't taxed. Oivind Hovland/Ikon Images/Getty Images hide caption
Are health savings accounts worth it? Katie Edwards/Ikon Images/Getty Images hide caption
Under Internal Revenue Service rules, high-deductible insurance plans that can link to health savings accounts can only cover preventive services, such as vaccinations and mammograms, until patients pay down their deductible. Andrew Caballero-Reynolds/AFP/Getty Images hide caption
How people allocate the money in their health savings accounts affects the likely growth rate of the balance. Leigh Wells/Ikon Images/Corbis hide caption
When is no choice a good choice? endopack/iStockphoto hide caption
In order to get the tax advantages of a health savings account, the health plan it's linked to has to meet certain criteria. iStockphoto.com hide caption