[M.T. Pockets]

I've had a high deductible HSA since they became available. I'm self employed, so I can deduct the premium. I also fund the HSA portion and write that off, and when I use this fund to pay a medical expense I get the money back tax free. Kind of like laundering money legally.

There's no free lunch, but like Rocky said, ask around. Ask people who are self employed, because they are used to shopping for their own and know a lot more than others about buying health insurance.

If you were in MN I'd give you some direction.