Whether you run a growing team or work for yourself, health coverage is one of the most important decisions you make each year. You want reliable protection, predictable costs, and a plan that supports your long-term goals. For many business owners and self-employed professionals, a Health Savings Account (HSA) checks all three boxes. Here is a clear look at how HSAs work, why they appeal to employers and the self-employed, and how to decide whether one is right for you. What