If you're the owner of a small business, you know what it feels like to get hit with big increases in health insurance premiums. As one of the owners of a remodeling company, I am interested in any insurance option that promises to curb this ever-growing expense.

When our current insurance policy expires, we plan to switch to a health savings account (HSA) because it promises to reduce what we're spending on medical care. It also offers some attractive tax advantages.

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