Since they were created in 2004, tax-advantaged Health Savings Accounts (HSAs) have become a successful tool toward promoting patient choice in health care. HSAs are utilized in combination with a high deductible health plan and have proven to be a free-market health-care proposal that does not rely on mandates or cash subsidies. Today, 25 million American families and individuals save and spend their own money tax free on a variety of healthcare expenses — more than double the number of individuals that use ObamaCare exchanges.