No not an insurance agent.

How's an old fart like you gonna afford a titanium hip replacement, bypass, or a hover round without a little insurance help?

The HSA program that was introduced a few years ago is what I currently have. I pay the first $2500 out of pocket each year for myself and two children completely tax free. If a major event takes place, the high deductible policy kicks in and pays the rest. I saved about 3500 bucks last year with the plan.