Health Savings Accounts, or HSAs, allow you to save and invest pre-tax dollars for health care expenses. They can be particularly useful for freelancers, who don't have access to Flexible Spending Accounts (another pre-tax vehicle for health expenses). In 2007, there are some new rules for HSAs, neatly summarized at InsureBlog. If you have an HSA, or are thinking of enrolling in a plan that has one (such as Freelancers Union's PerfectHealth EPO Platinum), you'll want to know about the increased limit on contributions and the new provision for a one-time transfer of funds from an IRA. HSAInsider has an extensive list of Q&As about HSAs.