Health saving accounts (HSA's) are tax deductible saving plans that allow the tax payer to save pre-tax dollars for the future healthcare expenses. If you spend high amounts for a HMO or PPO and are pretty healthy, I highly recommend getting an HSA. Some employers even contribute free money into your account if you open one. Why spend high amounts on premiums for only visits to the doctor once a year for check ups?? 
My HSA plan allows me 1 free visit for my yearly physical and 1 free visit for my OBGYN pap smear appt. No Co-Pays, and 100% paid for. Contributions to an HSA are tax deductible. Interest & Dividends in a HSA are tax exempt at federal level as well. 
Withdrawals from HSAs are tax free as long as the funds are used for qualified medical expenses. Contribution limits to HSA maxes out at $3100 for individuals and $6250 for family coverage (2012) and $1000 additional catch up contributions for 55+ and older.
In order to be enrolled in an HSA you cannot be covered by HMO & PPO and if HSA isn't an option with your employer or if you are self employed you can enroll into an HSA yourself. You may want to go to www.ehealthinsurance.com to enroll.